Key Responsibilities:
- Evaluate new credit applications and monitor existing credit customers, conducting thorough risk analyses and adhering to ethical and compliance standards.
- Analyze financial data, including credit bureau reports, financial statements, and other internal and external information sources.
- Communicate with applicants to gather additional risk assessment information and ensure all necessary documentation is complete.
- Identify and implement opportunities to enhance underwriting processes and maintain a high-quality credit portfolio.
- Collaborate with internal credit teams and external collection agencies to manage repayment plans and address overdue accounts.
Ideal Candidate:
- Experience: Minimum 3 years as a Credit Risk Analyst, underwriting for German businesses within the financial services sector.
- Product Knowledge: Comprehensive understanding of lending products, such as revolving credit, installment loans, and overdraft solutions.
- Analytical Skills: Strong credit risk judgment with the ability to confidently articulate and defend decisions.
- Communication: Excellent communication skills with a proactive and problem-solving mindset.
- Organization: Highly self-organized with strong planning capabilities.
- Language Proficiency: English and German, both spoken and written.
