Credit and Risk Management Analyst

Quick Facts

• Role: Credit and Risk Management Analyst

Description

You will create annual financial statements and creditworthiness analyses, perform rating classifications, and support credit decision-making for the company’s business partners.

The role involves analyzing interim financials, monitoring credit limits, assessing collateral, and producing management reporting on the credit portfolio’s risk situation.

Responsibilities

• Prepare annual financial statements and credit analyses and conduct rating classifications for the company’s business partners

• Evaluate interim financial materials (BWA, profit-and-loss/SAL lists, budget figures) and analyze corporate-legal relationships and group linkages

• Create simplified credit assessment overviews (VKÜ), prepare decision templates for the credit committee, and draft credit confirmation letters

• Process limit requests and review/assess collateral such as surety arrangements, guarantee agreements, and capital retention declarations

• Continuously monitor economic development and credit limits; identify potential risks early

• Obtain and evaluate business information reports; research and analyze relevant external sources

• Support partner meetings and on-site appointments

• Contribute to onboarding new partners and manage communication and exchange with partners, tax advisors, and auditors

• Produce regular management reporting on the risk situation and credit portfolio development

• Help further develop risk-management processes, tools, and Excel models

Requirements

• Completed commercial training (ideally bank/savings bank or insurance and financial investments) or a business degree

• Professional experience in banking/savings banks and/or insurance or a comparable role; ideally corporate customer lending experience

• Solid expertise in HGB balance-sheet analysis; experience with rating processes (e.g., Sparkassen standard rating) is advantageous

• Confident use of MS Office, especially Excel

• Good SAP knowledge, ideally SAP S/4HANA

• Strong analytical thinking and structured, careful, independent working approach

• Good communication and teamwork skills; high discretion and responsibility handling confidential data