Analyst

• Analyze the applicant’s income, expenses, and overall financial position to assess repayment capacity.
• Verify declared income against supporting documents (employment contracts, payslips, PSD2 data, bank statements, tax statements).
• Perform credit bureau (BIK) & other external registers’ checks and interpret scoring, credit history, and repayment patterns.
• Calculate Debt-to-Income (DTI) ratios and assess compliance with bank’s affordability thresholds.
• Identify and evaluate existing liabilities, guarantees, and obligations.
• Apply internal and regulatory scoring models to assess the level of credit risk.
• Liaise with the front-office team for clarifications or additional information where required.
• Prepare written credit recommendations, including proposed conditions or mitigations.
• Adhere to all internal risk policies and escalation procedures for exceptions.

Mortgage Credit Analyst

Senior Analyst, Business Strategy

Fraud Investigation Analyst

Senior Controlling Analyst

Controlling Analyst

Application Analyst