Credit & Portfolio Analyst | Factoring and Corporate Lending

Náplň práce, právomoci a zodpovednosti:

At Crescap, we are looking for a detail-oriented and commercially minded Credit & Portfolio Analyst to support the growth of our factoring and corporate lending activities.

This role sits at the intersection of credit underwriting, portfolio risk management and data analytics. You will evaluate financing opportunities, analyse the credit quality of borrowers and debtors, monitor portfolio performance, and support the onboarding of new portfolios.

The position combines traditional credit analysis with hands-on work on large datasets and portfolio reporting, making it ideal for professionals who enjoy turning data into credit insights and investment decisions.

You will work across origination, risk, operations and reporting functions to support sound credit decisions and efficient portfolio management. Smaller team, higher level of autonomy, international reach.

Key Responsibilities

Credit Assessment & Underwriting

• Analyse financial statements, management accounts, and cash flow information of prospective clients to assess creditworthiness

• Evaluate collateral quality and borrowing-base eligibility.

• Prepare credit memoranda and underwriting recommendations for approval committees.

Data Management & Portfolio Onboarding

• Process debtor, invoice, and portfolio-level data received from prospective and existing clients.

• Clean, validate, reconcile, and standardise large datasets received from multiple sources and formats. Investigate and resolve data inconsistencies and quality issues.

• Map portfolio data to internal risk, reporting and monitoring frameworks.

• Contribute to the development of automated controls, data quality checks and reporting solutions to improve operational efficiency and scalability.

Reporting & Analytics

• Monitor the performance and risk profile of existing portfolios.

• Analyse portfolio trends including concentrations, payment behaviour, default rates, utilisation, and recoveries.

• Review debtor payment behaviour, concentration trends, ageing reports, and collections data.

• Prepare regular portfolio reports and management information for internal stakeholders.

Transaction Execution & Stakeholder Management

• Support due diligence and onboarding of new clients and portfolios.

• Liaise with clients regarding financial information, debtor listings, and portfolio submissions.

• Work closely with operations and legal throughout transaction execution.

• Contribute to the continuous enhancement of credit and portfolio management processes.

Required Qualifications

Education

• Bachelor's or Master's degree, preferably in Finance, Economics, Accounting, Banking, Mathematics, Business Analytics or a related discipline.

Experience

• 2–5+ years of professional experience, preferably in fields such as Factoring, Corporate Banking or Lending, Credit Risk, Financial Due Diligence or Structured Finance, Portfolio Analytics.

Technical Skills

• Strong understanding of financial statement analysis and credit risk assessment.

• Advanced Excel skills, including experience working with large datasets.

• Experience with data cleansing, reconciliation, and validation.

• Ability to analyse portfolio-level and debtor-level performance metrics.

• Strong quantitative and analytical capabilities.

Additional advantage:

• Experience with Power BI, SQL, Python or other analytical tools.

• Familiarity with factoring, receivables finance or collateral-based lending structures.

Personal Attributes

• Highly analytical with exceptional attention to detail.

• Strong problem-solving skills and intellectual curiosity.

• Comfortable working with both financial analysis and operational data.

• Ability to manage multiple priorities in a fast-paced environment.

• Strong communication and stakeholder management skills.

• Hands-on attitude and willingness to improve processes.

• Good sense of humour.

Zamestnanecké výhody, benefity:

What We Offer

• Exposure to a broad range of receivables finance and corporate lending transactions.

• Direct involvement in investment and underwriting decisions.

• Opportunity to work with advanced portfolio analytics and data-driven credit processes.

• Professional development in structured finance, private credit and risk management.

• Competitive compensation.

• Hybrid working with office location in Nový Smokovec and Liptovský Mikuláš.

• Flexible employment arrangements, including full-time and part-time opportunities for suitable candidates.

Informácie o výberovom konaní:
We value substance over formalities.

Please send us:

Your CV; and
A short, structured note (maximum one page) explaining:
- Who you are;
- What motivates you professionally; and
- Why this role interests you.
We are looking for individuals who enjoy solving complex problems, working with data and making informed credit decisions that support business growth.

Požiadavky na zamestnanca:

Required Qualifications

Education

• Bachelor's or Master's degree, preferably in Finance, Economics, Accounting, Banking, Mathematics, Business Analytics or a related discipline.

Experience

• 2–5+ years of professional experience, preferably in fields such as Factoring, Corporate Banking or Lending, Credit Risk, Financial Due Diligence or Structured Finance, Portfolio Analytics.

Technical Skills

• Strong understanding of financial statement analysis and credit risk assessment.

• Advanced Excel skills, including experience working with large datasets.

• Experience with data cleansing, reconciliation, and validation.

• Ability to analyse portfolio-level and debtor-level performance metrics.

• Strong quantitative and analytical capabilities.

Additional advantage:

• Experience with Power BI, SQL, Python or other analytical tools.

• Familiarity with factoring, receivables finance or collateral-based lending structures.

Personal Attributes

• Highly analytical with exceptional attention to detail.

• Strong problem-solving skills and intellectual curiosity.

• Comfortable working with both financial analysis and operational data.

• Ability to manage multiple priorities in a fast-paced environment.

• Strong communication and stakeholder management skills.

• Hands-on attitude and willingness to improve processes.

• Good sense of humour.