Key Responsibilities
- Credit Analysis: Prepare thorough and concise credit analyses as directed by the Team Leader.
- Industry Evaluation: Assess the client's competitive positioning within their industry.
- Strategic Assessment: Articulate and evaluate the client's strategy, including associated execution risks.
- Funding and Liquidity Analysis: Analyse funding strategies, financial policies, treasury activities, and liquidity.
- Financial Analysis: Conduct balance sheet strength, cash flow, and profitability analyses using ratio analysis and stress testing.
- Additional Analyses: Prepare industry-specific reviews, portfolio reviews, stress tests, and other analyses as directed.
- Credit Grading: Complete account spreading and scorecard determination within Creditmate, proposing preliminary credit grading.
- Application Finalization: Finalize relevant Group Mandate and/or Business Credit Application for assigned clients.
Experience & Skills
- Relevant Experience: Minimum of 3 years' experience in banking, rating agencies, treasury, or accounting is preferred but not mandatory.
- Analytical Skills: Strong ability to assess and calibrate credit risk.
- Communication Skills: Excellent verbal and written communication skills, with the ability to work across cultures in a dynamic environment.
- Language Proficiency: Fluency in German.
- Professional Interaction: Ability to engage in credible dialogue at all organizational levels and with clients.
- Organizational Skills: Well-organized, able to multitask and manage competing demands.
- Advanced Qualifications: MBA or CFA qualifications are advantageous but not required.
If you are passionate about finance, eager to take on new challenges, and ready to work in a fast-paced, dynamic environment, we want to hear from you. Apply now to join a team that values integrity, innovation, and excellence.
