Operations - Credits Support Large&Medium at UniCredit · Bucharest

Ce responsabilitati vei avea in acest rol:

As Operations - Credits Support you:

• provide operational support of the business processes related to processing and accounting management of Credits using a variety of core business software applications

• execute transactions complying with given regulations

• support the Head of the structure to monitor the correct execution of the tasks based on strategies and standards agreed with the customers and/or business owner

• cooperate, consult and manage the knowledge transfer to the business units and product factories connected with the operational activities within the functional scope of the structure

• support guarantees (control and archiving of security documents e.g. pledges and guarantees), domestic guarantees (unsecured loans - crediti di firma - control and archiving of issued guarantees)

• support loans administration (loans administration and accounting, census and management of loan products, loss given default)

• support loans subsidies (special-rate loans), mortgages (administration of procedure for issuing private and enterprises mortgage loans)

• support leasing and factoring products administration.

Pentru a ocupa acest rol ai nevoie de:

Be able to use back-office applications and to conduct administrative and accounting requirements

Be able to:

• understand macro dimensions of a contract and to explicate it to a client

• fill it properly

Be able to:

• review a document / contract (e.g. check signature)

• scan it

• store it in the proper way

Be able to use front-office applications during sales and post-sales moments (e.g. current account opening, cards issuing..)

Be able to perform KYC procedures to identify customers and ascertain relevant information pertinent to doing financial business with them to prevent money laundering and terrorist financing

Be able to provide operational support for loans administration and accounting (e.g. census and management of loan products, loss given default)

Be able to use multichannel applications

Be able to use different tools to interact with the client, such as video, chat, phone and email

Knowledge of factoring and leasing products to offer proper solutions for individuals and enterprises

Knowledge of financial institution business to serve/deal with this specific client segment

Knowledge of financial institution products to serve/deal with this specific client segment

Knowledge of lending products, such as mortgages, to identify appropiate solutions for enterprises

Knowledge of lending products, such as mortgages, loans and consumer finance, to identify appropiate solutions for individuals

Be able to analyze financial statements (balance sheet, profit & loss, cash flow statement), e.g. evaluating main/critical items, trends, ratios, overall financial performance and position

Be able to use applications/softwares for managing Credit Collection

Be able to analyze consolidated financial statements, e.g. evaluating main/critical items, trends, ratios, overall financial performance and position

Be able to assess the creditworthiness of a borrower/group in relation to a specific credit request

Be able to draft a standard contract and to personalize it for a specific client / situation (e.g. adding a specific clause for an enterprise client)

Be able to analyze financial statements and reports to make well informed business or credit decisions

Be able to analyze stand-alone financial statements, e.g. evaluating main/critical items, trends, ratios, overall financial performance and position

Be able to assess individual applicants' creditworthiness based on credit risk indicators and internal credit guidelines

Be able to assess Real Estate counterparts (commercial, consumer, infrastructures) and transactions

Despre echipa noastra:

UniCredit is a pan-European leading commercial bank providing best-in-class solutions and services across Italy, Germany, Austria, and Central and Eastern Europe. Our Vision is to be the Bank for Europe's Future. Our Purpose is to Empower Communities to Progress, delivering the best-in-class products and services for all stakeholders, unleashing the potential of our people and our clients across Europe. We serve over 20 million clients, supported by three Group product factories — Corporate, Individual and Payment Solutions — that ensure best-in-class expertise and scalable solutions across all markets. Our integrated model combines local proximity, deep client understanding and Group-wide capabilities, enabling seamless service and outstanding client experience. Digitalisation, operational excellence and a strong commitment to ESG principles underpin our journey, helping us deliver sustainable long-term value for clients, communities, employees and shareholders. Our shared Culture unites our people across all countries, empowering teamwork, driven execution and ambition through Ownership, Integrity and Caring.