Credit Approval Senior Specialist

Job description

At Alpha Bank we are shaping the future of banking in Greece. Through our large-scale Transformation Program, we are changing the way we operate, the way we deliver results and the way we service our Customers. We understand our Customers’ needs and design experiences around them. We work in partnership and invite diversity of skills and perspectives. We are forward-thinking and drive continuous improvement. We make things happen; we execute quickly and focus on what is essential.

If you are a change enthusiast who sets ambitious goals and works with a sense of purpose, we want to get to know you! Join our team #AlphaBank #WeAreAlpha #EnablingProgress #AlphaCulture #ValuesThatLead #OneTeamOnePurpose Purpose As a Credit Approval Senior Specialist, you will play a key role in the independent evaluation of complex Wholesale Banking credit requests for the Bank and Group Companies. You will contribute to sound credit decision-making by assessing credit risk, repayment capacity, collateral quality, and alignment with applicable policies, regulatory requirements, and the Bank’s risk appetite.

What you will be doing Evaluate complex Wholesale Banking credit requests submitted by domestic and international business areas, ensuring that proposals are assessed with independence, consistency, and sound credit judgment. Review credit applications throughout the full credit evaluation cycle ensuring that all required information, analysis, approvals, and supporting documentation are complete, accurate, and aligned with internal credit processes.

Conduct in-depth credit analysis of existing and prospective borrowers, covering financial performance, business model resilience, sector dynamics, leverage profile, risk rating, risk mitigation mechanisms, and overall transaction structure. Assess projected and historical cash flows to determine debt-servicing capacity, repayment ability, sensitivity to downside scenarios, and the sustainability of the proposed financing structure.

Formulate independent credit opinions and recommendations for submission to the relevant Credit Committees, clearly articulating key risks, mitigants, approval rationale. Contribute to the continuous enhancement of credit decision-making standards, helping ensure that the Bank’s credit approval framework remains robust, efficient, risk-sensitive, and aligned with regulatory expectations and the Bank’s risk appetite. What you need to have A bachelor’s degree in Economics, Banking, Finance, Business, Mathematics, Quantitative Studies, Risk Management, or a related field.

A master’s degree in a related field. At least seven (7) years of experience in the banking or financial services industry, with a focus on corporate or wholesale portfolios. Strong credit analysis skills, including the ability to assess financial statements, cash flows, business models, collateral structures, and repayment capacity. Good understanding of credit risk principles, approval processes, regulatory expectations, and portfolio monitoring practices.

Strong analytical thinking, sound judgment, attention to detail, and the ability to communicate credit recommendations clearly. Experience in client-facing, relationship management, restructuring, or credit approval roles. Familiarity with credit rating systems, collateral valuation approaches, or governance reporting requirements. What we offer It’s all about our people.

At Alpha Bank, you will enjoy

A friendly and collaborative working environment that supports taking initiative and action A culture that centers around learning and continuous development and encourages everyone to bring their best self to work The opportunity to challenge your thinking through your participation in complex tasks and transformation projects Being part of a large organization with a leading role in the Greek economy and a strong presence in the community Flexible working options A competitive salary and benefits All applications will be acknowledged and treated in utmost confidence.