business analyst for SME lending

Ardshinbank is a leading bank in Armenia offering retail and commercial banking, investment banking, and private and wealth solutions. It serves over 380,000 customers through 1,700+ employees, 65 branches, and mobile and online banking platforms.

• Research lending and banking services markets for micro, small, and medium-sized enterprises under the direction of the regional manager
• Attract SME customers in the regions served by the Bank’s branches
• Organize meetings and visits with prospective SME customers and present the Bank’s services
• Analyze prospective borrowers’ businesses and carry out the lending process
• Track loan applications and submit them to the authorized approval bodies or committees
• Promote banking services and products and conduct cross-selling
• Take steps to meet individual and branch monthly and quarterly plans and targets
• Maintain and regularly update SME customer profiles
• Manage SME customers’ active and passive portfolios
• Service the loan portfolio and communicate effectively with customers
• Monitor loan portfolio quality and support the recovery of problem loans
• Propose ways to optimize and automate SME customer service business processes to the regional manager
• Carry out assignments from the regional manager
• Perform other duties assigned under the Bank’s internal regulations, decisions, and orders
• Submit reports on completed work to the direct manager, the regional manager

• Higher or vocational education
• At least 2 years of work experience in the financial and banking sector during the last 3 years
• Good knowledge of MS Office
• Excellent Armenian, good Russian, and good English
• Knowledge of financial analysis and general knowledge of banking regulations

• Локация: Горис
• 300,000 –Ից 700,000 ՀՀ դրամ ներառյալ բոնուսներ
• 24 Paid vacation days, additional paid days off and time off, and a flexible work schedule
• Individual training and development programs, training opportunities abroad, training for junior specialists, and professional development courses
• Health and critical illness insurance
• Preferential terms for the Bank’s products, partner discounts, themed employee gifts, and business travel opportunities
• Team meetings, corporate events, and intellectual and sports games
• Monthly, quarterly, and annual bonuses in addition to base salary; annual salary review
• Free language courses, a “Baby born” package, a reward system, company performance-based bonuses, a sports package, a staff referral program, education reimbursement, preferential financial services, and preferential family member insurance