Analyst im Kreditmanagement (m/w/d)
Core
Analyze and assess the economic conditions of borrowers using annual financial statements and business evaluations to ensure credit-related documents and risk assessments comply with requirements.
Role type
Credit Management Analyst
Builds
Credit risk assessments and collateral evaluations for financial institutions
Domain
Banking / Credit Risk
Required skills
Financial statement analysis, Collateral valuation, Credit risk assessment, Regulatory compliance (Kreditwesengesetz), Business plan analysis, Financial ratio analysis, ERP system proficiency, Risk-oriented criteria application
Preferred skills
Business administration degree, Risk management training, Corporate finance knowledge
Responsibilities
Analyze and assess the economic conditions of borrowers based on annual financial statements and business evaluations; Review and examine credit-related transactions considering internal guidelines, legal provisions, and risk-oriented criteria; Evaluate collateral to assess risk structure and security for existing or planned financing; Determine loan-to-value ratios within applicable small loan limits; Examine economic interconnections and assess the aggregation of borrowers into credit units; Verify and ensure quality of rating results through plausibility checks, expert assessments, and transparent documentation; Ensure proper disclosure of economic conditions and compliance with § 18 Kreditwesengesetz; Handle special technical tasks and contribute to the development of internal processes and audit procedures.