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Key Responsibilities 

• Lead and oversee the day-to-day operations of the Retail Lending Department,  ensuring efficient, accurate, and customer-focused service delivery. 

• Assess, evaluate, and approve retail loan applications and credit facilities for  new and existing customers within delegated lending authority. 

• Conduct credit assessments, analyse financial information, and prepare lending  recommendations to support sound credit decisions. 

• Manage and monitor the retail lending portfolio, ensuring portfolio quality, timely  repayments, effective risk management, and compliance with the Company's  credit policies and risk appetite. 

• Oversee the lending process from application through to disbursement, ensuring  all required documentation is complete, accurate, and processed within agreed  timelines. 

• Identify, escalate, and recommend appropriate action for delinquent accounts  or emerging credit risks. 

• Ensure compliance with internal policies, regulatory requirements, and  applicable lending legislation and procedures. 

• Lead, coach, mentor, and evaluate the Retail Lending team, promoting a high performance culture and supporting employee development. 

• Prepare periodic management reports and portfolio analyses, providing insights  into lending performance, portfolio quality, and credit risk. 

• Develop and maintain strong relationships with customers, delivering  professional advice and ensuring an excellent customer experience throughout  the lending process. 

• Identify opportunities to expand the retail lending portfolio and contribute to the  development and enhancement of lending products, services, and operational  processes. 

• Collaborate with Senior Management to develop lending strategies and support  the achievement of the Company's business objectives. 

Qualifications 

• Bachelor's degree in Finance, Banking, Economics, Business Administration,  Accounting, or a related field. 

• Minimum of five (5) years' experience in retail lending, credit analysis, or banking,  including experience in a supervisory or managerial role. 

Skills & Competencies 

• Strong leadership and people management skills. 

• Excellent analytical and decision-making abilities. 

• Strong communication and interpersonal skills.

• Customer-focused with the ability to build and maintain strong relationships. 

• Well-organised, with the ability to manage multiple priorities and meet  deadlines. 

• High level of integrity, professionalism, and attention to detail. 

• Proficiency in Microsoft Office applications. 

• Excellent command of both Greek and English, written and spoken. 

Remuneration and Benefits 

A competitive remuneration package will be offered based on qualifications and  experience. The successful candidate will also receive an attractive benefits package,  including a 13th salary, Provident Fund, and additional company benefits. 

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Ellinas Finance Public Company Ltd