Help us build the next chapter.
Avant Credit IFN is building its business in Romania with a clear ambition: to become a trusted financing partner for businesses and investors looking for flexible, tailored financing solutions.
We’re looking for a Risk Analyst who combines strong credit and financial analysis skills with a commercial mindset. This is not a traditional back-office risk role — you’ll work directly with customers, support transactions.
It’s an opportunity to join a growing business where your judgement matters, your ideas can shape how we work, and you can see the direct impact of your work on real transactions.
What you’ll do
- Analyse the financial strength, repayment capacity, cash flows, leverage and overall creditworthiness of borrowers, sponsors and guarantors.
- Assess bridge financing, acquisition financing, refinancing, working capital and other short-term financing transactions, including their structure, collateral, guarantees and repayment or exit strategies.
- Prepare clear credit assessments and recommendations for approval authorities and Credit Committees.
- Work directly with customers to understand their business, financing needs and transaction structure.
- Work closely with Sales, Finance, Underwriting and senior management to move transactions forward while maintaining sound risk standards.
- Monitor portfolio performance, identify early warning signals and support appropriate risk mitigation.
- Contribute to developing and improving our underwriting processes, risk methodologies, reporting and governance as the business grows.
What we’re looking for
We’re looking for someone with strong analytical foundations, sound credit judgement and the confidence to work with people.
You will ideally bring:
- 3+ years of experience in credit risk, financial analysis, corporate banking, structured finance, lending or a related financial services environment.
- Strong knowledge of financial statements, cash flow analysis, credit assessment and lending principles.
- Experience with bridge finance, acquisition finance, corporate lending, real estate finance or other transaction-driven financing is a strong advantage.
- Understanding of private equity / investment environments, transaction structures, sponsors and exit strategies.
- Good knowledge of the Romanian financial and business market.
- Excellent communication skills and confidence in dealing with customers, brokers and senior stakeholders.
- Strong Excel and financial modelling skills.
- Fluent Romanian and professional English.
And most importantly — the right mindset.
We’re in the building stage. Some processes are already in place; others will be developed as we grow.
We need someone who is comfortable with change, ownership and a degree of ambiguity — someone who doesn’t wait for the perfect process but helps build it. At the same time, you’ll bring the discipline, judgement and high standards expected in a professional financial services environment.
If you want to combine credit expertise with real commercial exposure, work closely with customers and brokers, and help shape a growing financing business in Romania, we’d like to hear from you.
What we offer you:
- Competitive salary package aligned with your experience and expertise.
- Performance-based annual bonus linked to individual and company achievements.
- Private medical insurance for you.
- Hybrid working model with flexibility between office and remote work.
- Exposure to complex and high-value transactions across bridge finance, acquisition finance, refinancing and corporate lending.
- Opportunity to shape processes and risk frameworks within a growing financial institution.
- Fast career growth potential within a dynamic and expanding organization.