We are 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 are a team of inspired people who believe that opportunities start with a conversation. 

Duties & Responsibilities 

Join our Credit Analysis Team as a Junior Credit Analyst within SME and Corporate Lending, where you will support the Bank’s mission of responsible and sustainable lending. Reporting to the Office Manager and working closely alongside experienced analysts, you will assist in evaluating creditworthiness, conducting basic financial analysis, and supporting the preparation of lending recommendations. This role is designed to help you build strong analytical foundations and gain exposure to the lending process within a dynamic banking environment.

‍You will be responsible to:

• Assist in reviewing SME and corporate lending applications by vetting documentation and performing initial due‑diligence checks;
• Support financial analysis by reviewing financial statements, business plans, management accounts, and cash flow projections under the guidance of senior analysts;
• Help identify potential credit risks by applying basic financial models and ratio analysis techniques;
• Ensure that all work complies with the Bank’s internal policies, procedures, and regulatory requirements;
• Collaborate with internal stakeholders to collect required information and improve application quality; and
• Assist in preparing documentation and reports for credit committee reviews.

Learning and Development

We are committed to supporting your professional growth. As a junior team member, you will gain hands-on experience, receive continuous coaching, and participate in training that enhances your financial and analytical skills. This role offers exposure to a variety of lending structures and provides a clear pathway for career progression within the credit function.

Competencies & Experience 

The potential candidate should be reliable and trustworthy, well-organised with a disposition to learn and have a team-oriented approach. The candidate should also demonstrate excellent written and verbal communication skills in both English and Maltese, with the ability to communicate effectively using a high level of business English. 

You must have:

• Basic understanding of financial analysis and key financial ratios;
• A Diploma or preferably Bachelor’s degree in Finance, Accounting, Economics, Business Administration, or a related field;
• Strong attention to detail and organisational skills;
• Proficiency in Microsoft Office Suite, especially Excel and Word;
• Strong written and verbal communication skills; and
• Internship experience in banking or finance is an asset but not required.

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 full-day leave for birthday celebrations; 
• Annual performance appraisals and salary reviews; 
• €400 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.