Manager – Credit Analysis Unit (Corporate)

We're seeking to recruit a Manager to join our Credit Analysis Unit (Corporate).  

If you're interested in joining us and satisfy the requirements outlined hereunder, then we're interested in you. 

Who we are

We're a leading financial institution, a key player in the Maltese market and part of a highly diversified multi-national group of companies. Employing a team of 220 employees, the Bank offers a full range of lending and savings solutions to both personal and business customers. We strive to offer a highly personalised service through our network of twelve retail branches spread across the Maltese Islands.

We're a team of inspired people who believe that opportunities start with a conversation.

Duties and responsibilities

The person in this position will respond to the Credit Analysis Head of Department.  The selected candidate will be responsible to perform duties related to (new & existing) business and corporate lending applications. 


You will be responsible for:

  • vetting supporting documentation;
  • crediting related due diligence checks;
  • analysing financial statements, including calculation of ratios, calculation of feasibility based on historic and projected data including cash flow statements and stress testing;
  • analysing business plans;
  • ensuring compliance with the Bank's credit policies, rules and procedures;
  • participating in Credit Committees making effective recommendations and proposing solutions;
  • carrying out oversight actions;
  • maintaining statistics;
  • identifying areas of development and recommending solutions addressing needs that may arise to improve processes and procedures to consistently increase efficiency and deliver an accurate and timely service throughout;
  • assisting the management in non-credit risk tasks as required by service exigencies & other newly arising ad hoc tasks;
  • sharing knowledge and developing team members within the function; and
  • carrying out all other processes and activities arising from time to time as directed by CAU Senior Coordinator. .

The candidate will be required to ensure a high and sustained level of service whilst developing and enhancing relationships with internal clients.  S/he must work towards achieving and exceeding the Department's targets.

Competencies and experience

The potential candidate should have a positive attitude, be well-organised, with a disposition to learn. The selected candidate has to be meticulous with a team-oriented approach to work.

You must:

  • hold a degree or Diploma in Banking & Finance/Accountancy;
  • have the ability to interpret financial Ratios and assess financial statements including larger groups' consolidated accounts;
  • be able to analyse financial reports, cash flow forecasts and business plans and draw reasonable inferences and interpretations therefrom;
  • be in possession of well-developed report writing skills; and
  • have 7 years experience in a business credit environment.

How to apply

If you want to be part of our team, we invite you to send us a detailed CV highlighting your achievements. Applications should reach us only by email on  

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BNF Bank p.l.c. is a credit institution licensed by the MFSA to undertake.
The business of banking in terms of the Banking Act 1994.