Business Credit Risk Officer

VACANCY ANNOUNCEMENT Tirana Bank is the first privately-owned bank in Albania. It was founded in 1996 and since then there has been a great development, spreading its branches throughout Albania. Today, Tirana Bank is well-positioned in the market, offering a wide range of products and services that respond well to the demands of its customers. Tirana Bank has 36 branches in most major cities, and industrial zones and has a large ATM network throughout Albania. Tirana Bank continues to grow and expand while rigorously retaining its philosophy of providing quality products and services by being the front-runner in innovative banking solutions in Albania. BALFIN Group is one of the leading investment groups in the Western Balkans region, embodying international standards with local expertise. Founded in 1993 in Vienna by Samir Mane, today, the Group has a presence in 11 countries: Austria, Albania, Kosovo, Bosnia and Herzegovina, North Macedonia, Montenegro, Switzerland, Croatia, the Netherlands, the USA, and Canada. BALFIN, a diversified group active in real estate, wholesale and retail, banking, asset management, tourism, education, and logistics, employs approximately 5,000 people. Total Group’s Assets (including financial institution) is € 2.2 billion, as of 2023 data. We are seeking to welcome a qualified candidate in the Business Risk Credit Officer (Band 4T) position to join our Business Credit Department reporting directly to the Manager of Business Credit Department. Overall Job Definition The Business Credit Risk Officer is responsible for ensuring that the loans are in compliance with the credit policies and procedures in force, the safety standards and guidelines as well as an acceptable level of risk undertaken by the bank. Main Responsibilities: · Processes, analyzes and assesses, in close collaboration with relationship officers and recovery officers, the proposals of Corporate, SME, BRU, WO departments; · Prepares credit assessment by presenting credit risks and lending eligibility proposals, as per credit risk policy in force; · Proactively follows the loan procedure up to the final decision (approval or rejection); · Actively participates in discussions related to credit policies and procedures; · Responsible for statistics reports and other periodical reports related to different credit aspects; · Performs any other duty assigned by the supervisor, within his area of responsibility. Requirements Competencies / Skills: · Bachelor’s Degree in Economy or related fields; · Min 3+ years of banking experience in similar positions; · Very good knowledge of banking system regulations, credit processes and service; · Sound knowledge of business financial analyses; · Very accurate and attention to detail; · Very good critical thinking; and analytical skills; · Ability to work well as part of a team and meet deadlines. · Very good spoken and written communication skills; · Very good knowledge of English language (writing and speaking); The interested candidates can send their CV until January 05th, 2026. Please note that only applicants who fulfill the above-mentioned criteria, will be contacted . “Your personal data, which is sent voluntary as a response to this job vacancy announcement, are collected and processed, manually and/or electronically, by Tirana Bank SA, in order to evaluate your compatibility with this job vacancy, are accessed only by authorized persons of the Bank and will be stored until the finalization of the candidate selection process. The subjects of personal data can exercise their rights as provided by Law No. 124/2024, “For the Personal Data Protection”, at Tirana Bank SA, as well as at the Commissioner for the Right of Information and Protection of Personal Data. Benefits