Retail Credit Analysis Specialist (Mortgage/SB)

Date: Jul 10, 2026

Location:

Tirane, AL

Company: Intesa Sanpaolo Bank Albania

Job Type: Full time

Seniority: Experienced

Intesa Sanpaolo Bank Albania, part of the Intesa Sanpaolo Group, is a leading bank in the country offering quality banking services, financial solutions, innovative products and services to corporate, institutional and high net worth clients, small and medium businesses and individual customers. We encourage a growth style that is attentive to sustainable results and creating a process based on trust that derives from customer and shareholder satisfaction, a sense of belonging on the part of our employees and close monitoring of the needs of local communities. We compete in the market with a sense of fair play and are ready to cooperate with other economic entities, public and private, whenever necessary, strengthening the overall capacity for growth and expansion in the local economy. Intesa Sanpaolo Bank Albania has a network of 35 branches in different cities of the country and will continue to expand strategically following closely the economic development of Albania.

Job Purpose:

The Retail Credit Analysis Specialist is responsible for analyzing retail credit applications, assessing customer creditworthiness, and preparing credit proposals in line with the bank’s internal policies, risk appetite and delegated approval authorities. The role supports sound lending decisions by ensuring that all applications are reviewed accurately, consistently and within regulatory and procedural requirements.

Main Responsibilities:

Review and analyze retail credit applications for individuals and small business.
Assess customer’s financial position, income, repayment capacity and existing obligations.
Perform financial analysis of business financial statement contributing in individual loan repayment.
Evaluate the purpose of the credit request and the adequacy of collateral or risk mitigation measures where applicable.
Ensure all proposals comply with internal policies, central bank requirements, terms and conditions and delegated authority levels.
Propose appropriate credit risk mitigation covenants and risk-return conditions.
Maintain accurate credit approval statistics and related reporting on a daily basis.

Key Requirements:

Bachelor degree in economic fields, mathematics, statistics
Experience in credit analysis underwriting, lending or risk assessment preferably in retail banking.
Knowledge of retail credit products for individual and small business.
Strong analytical and financial interpretation skills.
Ability to analyze financial statement, income documents, credit history and repayment capacity.
Good understanding of banking policies, credit risk principles and regulatory requirements.
Attention to detail and high level of accuracy.
Good written and verbal communication skills in Albanian and English.
Good communication and team work skills.
Proficiency in MS Office (Excel, Access, Power Point) and familiarity with banking/credit systems.
Strong integrity, confidentiality and customer-oriented mind-set.
Ability to handle a high volume of credit cases accurately and within the deadlines.

Everyone is an asset for our Bank and that person could be you! Check out our job opportunities, apply and join our team!