Retail & Micro Business Lending Manager - Credit Analysis Department

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 over 270 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 thirteen 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

Join our Credit Analysis Team as a Manager in Retail and Micro Business Lending, where your expertise will support our mission of responsible and sustainable lending. Reporting to the Head of Unit, you’ll play a crucial role in evaluating creditworthiness, enabling business, and help build a strong lending portfolio.  

You’ll collaborate closely with teams across the bank, including frontline staff, legal, and risk management, giving you exposure to wider aspects of the Bank’s operations and allowing you to make significant contribution to its success.

You will be responsible for:

• evaluating and verifying lending applications through thorough vetting of documentation, due diligence checks and compliance with product terms and conditions;
• conducting in depth analysis to assess creditworthiness, including verification of applicant income, debt servicing eligibility, and make recommendations on loan viability;
• leveraging financial models and analysis techniques to identify and mitigate credit risks;
• ensuring risks are aligned to the Bank’s policies, procedures and regulatory requirements;
• building relationships with internal stakeholders, enhancing the quality and efficiency of credit applications; and
• presenting findings and recommendations in credit committee meetings, playing an active role in the decision-making process.

Competencies and experience

The potential candidate should be reliable and trustworthy, organised, willing to learn and a have team-oriented approach.

We’re committed to your growth. This role will enable you to expand your analytical skills, gain exposure to high-level decision-making, and prepare for advancement to senior management roles, supported by training and professional development resources.

You must:

• have strong analytical and problem-solving skills;
• possess a Bachelor’s degree in Finance, Accounting, Economics, Business Administration, or a related field;
• have 6-8 years of experience in credit analysis or a related banking role, with a focus on retail and small business lending;
• be meticulous and attentive for details;
• be proficient in Microsoft Office Suite, particularly Excel and Word; and
• have excellent communication skills, both written and verbal, with the ability to present information clearly and concisely.

What we Offer

• ongoing personal development; 
• preferential interest rates on home loans, personal loans and home value loans; 
• comprehensive support for academic advancement through fully subsidized staff study loans; 
• private clinic health insurance coverage, extendable to dependants; 
• life insurance and personal accident cover; 
• free ophthalmic examinations; 
• private counselling sessions in collaboration with Richmond Foundation; 
• additional half-day leave for birthday celebrations; 
• annual performance appraisals and salary reviews; 
• €250 annual wellness allowance; 
• complimentary mammogram screenings for female employees aged over 40 and PSA screenings for male employees aged over 40; 
• flexible work arrangements (role permitting); and 
• various corporate discounts. 

BNF Bank plc is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.