ՓՄՁ բիզնեսի թիմի վերլուծաբան for SME lending

Ardshinbank operates in the finance, banking, and insurance industry.

• Study micro, small, and medium-sized enterprise lending and banking services markets under the direction of the regional manager;
• Attract SME customers within the regions served by the bank’s branches;
• Organize meetings and visits with prospective SME customers and present banking services;
• Analyze potential borrowers’ businesses and carry out the lending process;
• Ensure the processing of loan applications and submit them to authorized approving bodies and committees;
• Promote banking services and products and conduct cross-selling;
• Work toward achieving individual and branch monthly, quarterly, and target performance indicators;
• Maintain and regularly update SME customer profiles;
• Manage the asset and liability portfolios of SME customers;
• Service the established loan portfolio and communicate effectively with customers;
• Monitor loan portfolio quality and participate in and support the recovery of problem loans;
• Prepare and submit proposals for optimizing and automating SME customer service business processes;
• Complete assignments from the regional manager;
• Perform other functions and assignments assigned under the bank’s internal legal acts, decisions, and orders;
• Submit work reports to the direct manager.

• Higher or professional education;
• At least 2 years of work experience in the finance and banking sector within the last 3 years;
• Good knowledge of MS Office;
• Excellent Armenian, good Russian, and good English;
• Knowledge of financial analysis and general knowledge of legislation regulating the banking sector.

• 24 Paid vacation days, additional paid days off and time off;
• Flexible work schedule;
• Individual training and development programs;
• Opportunity for training abroad;
• Training for junior specialists and professional development courses;
• Health insurance and critical illness insurance;
• Preferential terms for using the bank’s products;
• Discounts from partner organizations;
• Thematic gifts for employees;
• Business trip opportunities;
• Monthly, quarterly, and annual bonuses in addition to the base salary;
• Annual salary review;
• Salary includes bonuses: 300,000 –ից 700,000 ՀՀ դրամ.