06/24/2026 updated
100 % available
Senior Corporate Risk Underwriter | Credit Risk & Financial Analysis Expert
Tirana, Albania
Only remote
Scientific Master in Banking (Bank Specialist Title), University of Tirana, Faculty of EconomyAbout me
With 18+ years of deep financial sector authority, I provide European fintechs, neobanks, and private credit funds with executive-level credit underwriting, structural risk mitigation, and decisive portfolio oversight. I bridge the gap between complex exposure metrics and strategic credit decision.
Corporate FinanceCredit AnalysisFinancial AnalysisRisk FinancingCredit Risks
Credit & Risk Assessment
Expertise in Corporate Credit Underwriting, Risk Mitigation, Financial Statement Spreading, Group of Connected Customers (GCC) Analysis, Cash Flow Projections, and Early Warning Signals (EWS). Authorization of complex credit packages with credit committee authority.
Financial Analysis & Diagnostics
Comprehensive financial diagnostics including end-to-end rating generation and authorization frameworks, assessing financial performance, delivering detailed financial analyses for Credit Committee and Problem Loan Committee presentations.
Regulatory Compliance & Agile Methodologies
Integration of regulatory compliance frameworks (Basel, Bank of Albania) with Agile methodologies (Scrum) and data stewardship to maximize portfolio quality and system performance. Experience as Core Team Member in Agile-based Credit Register Projects.
Data Stewardship & Data Quality Analysis
Proven track record as Data Steward resolving system data quality defects, commanding data analytics reviews across multiple consecutive years to isolate and fix software data anomalies.
Anti-Money Laundering (AML) & KYC
Knowledge and application of Anti-Money Laundering (AML) and Know Your Customer (KYC) frameworks within corporate banking and risk management processes.
Deal Structuring & Portfolio Management
Formulation of independent credit risk opinions, documentation of CRM statements, proposing robust risk mitigants for structured transactions, and aligning high-value loan requests with the bank risk appetite.
Systems & Digital Tools
Proficiency in Jira, Confluence, Fraud Prospective Tools, Financa 5, and Alpha Contability for managing credit workflows, data quality, and operational risk processes.
Operational Risk Management
Assessment and management of operational risk within corporate banking environments, including forbearance officer responsibilities such as managing restructured loans and ensuring correct process implementation in systems.
Experience
Professional experience10+ years
Freelancer since2026
Languages
EnglishFluentItalianFluentAlbanianNative speaker
Project history
Execute credit assessment and vote within delegated credit committees for complex transactions. Conduct detailed risk assessments of corporate client portfolios and Groups of Connected Customers (GCC) to determine going-concern viability. Formulate independent credit risk opinions and document CRM statements, proposing robust risk mitigants for structured transactions. Align all high-value loan requests with the bank risk appetite, identifying policy exceptions and applying corrective parameters.
Rating model expert for Large Corporate and Financial Institution clients. Managed end-to-end rating generation and authorization framework, assessing financial performance to flag early warning signals (EWS). Delivered detailed financial analyses for presentations to the Credit Committee and Problem Loan Committee. Served as a key Agile Team Member (G.O.L Project), syncing with Relationship Managers, Collateral Managers, and Audit teams to accelerate approval cycles. Served as Data Steward to resolve system data quality defects on demand, ensuring adherence to validated system structures.
Represented the Non-Retail Risk Department in redesigning the Credit Bureau infrastructure to comply with Bank of Albania mandatory requirements. Streamlined system performance and automated workflows, successfully reducing manual processing times and optimizing data inputs.