Credit Risk Officer

Join us to build the best universal bank!

Bigbank is an Estonian bank with a strong international presence, operating across nine markets. We are expanding beyond lending into everyday banking, with the ambition to become a leading universal bank in our region.

What makes this journey unique is the opportunity to build core banking services from the ground up – using modern technologies and a next-generation platform, without the constraints of legacy systems.

If you are motivated by building something real, taking ownership, and making an impact, join us and help shape the future of everyday banking.

How do you create value?

• You will assess corporate loan applications and provide well-founded credit risk opinions and recommendations;

• You will perform financial analysis of companies, evaluate business models, cash flows, and repayment capacity;

• You will make independent credit risk decisions within your area of responsibility and contribute to sound lending decisions across the Bank;

• You will monitor and analyze the quality of the corporate loan portfolio, identifying potential risks and recommending mitigating actions;

• You will collaborate closely with Corporate Banking team, providing professional support and challenge on credit risk-related matters;

• You will contribute to the continuous improvement of credit risk assessment methodologies, processes, and internal guidelines;

• You will ensure compliance with internal credit policies, regulatory requirements, and the Bank's risk appetite.

What do we expect from you?

• You have at least 3 years of experience in banking, preferably in Credit Risk, Corporate Banking, Credit Analysis, or a related field;

• You have hands-on experience working with corporate customers and assessing corporate lending opportunities;

• You possess strong financial analysis skills and are confident interpreting financial statements and business performance indicators;

• You have a solid understanding of credit risk principles and corporate lending practices;

• You are confident in making decisions and can clearly justify your recommendations and conclusions;

• You have excellent analytical and numerical thinking skills, with strong attention to detail;

• You are open-minded, collaborative, and able to build constructive relationships with stakeholders;

• You have excellent Latvian and good English language skills, enabling you to work effectively in an international team where communication and processes are conducted in a common business language.

What we offer?

• Fixed remuneration of 3500 - 4500 EUR (gross), depending on your competencies, skills, and experience;

• Professional and personal development opportunities in a fast-growing international company;

• The possibility to influence lending decisions and contribute directly to the quality of the Bank's corporate loan portfolio;

• Hybrid work opportunities and additional benefits according to Bigbank's remuneration and benefits framework;

• A professional, supportive, and collaborative team where expertise and independent thinking are valued.

Please ensure that your CV is attached in English. We look forward to meeting you during the recruitment process!