ProCredit Bank in Germany is part of the ProCredit group, which is the main bank for small and medium-sized enterprises and private clients in eleven countries in South Eastern and Eastern Europe.
In Germany, we focus on SMEs with business relationships in these markets. We also provide long-term loans for sustainable entrepreneurial investments in South Eastern and Eastern Europe in cooperation with the local teams of the respective ProCredit banks. As the group's correspondent bank, we manage Group Treasury, foreign payments and trade finance. With our activities, we want to make an active contribution to ecologically and socially sustainable economic development in the region.
To strengthen our teams, we are looking for a dedicated permanent position as soon as possible.
(Senior) Credit Analyst (w/m/d)
Your tasks
- Assessing credit risk of SMEs in Germany and in Eastern and South Eastern Europe, in cooperation with the other ProCredit banks
- Performing qualitative analysis of business models in various markets and industries, as well as quantitative analysis, e.g. on the basis of financial statements and cash flow projections
- Preparing internal ratings using the methodologies created by the ProCredit group
- Presenting credit opinions to the credit committee for decision as well as taking independent credit decisions and monitoring exposures within the framework of the defined authorisation levels
- Supporting the drafting and update of procedures/processes for credit analysis, procedures/processes for collateral valuation and other procedures and organisational guidelines
- Contributing to the improvement of internal processes and the implementation of projects on specific topics
Your profile
- Successfully completed studies in the field of economics and/or training in a banking institution
- Professional experience in the banking and financial services industry, specifically in assessing credit risk of business clients
- Sound knowledge of analysing the annual financial statements of SMEs
- Knowledge of the requirements arising from KWG, MaRisk and CRR, and of collateral processing in business lending
- Ability to work well in an intercultural and international environment
- Highly developed analytical skills and an ability to comprehend complex situations and understand the various markets and legal systems
- Very good knowledge of spoken and written English; German is an advantage. Other foreign languages such as Serbian, Bulgarian, Macedonian and Romanian are also an asset
Unser Angebot
- Duties with responsibility in a sustainability-oriented bank
- An interesting and diverse working environment with very good development opportunities
- Highly motivated, international teams
- Flat hierarchy with open and direct communication
- Subsidised “Deutschlandticket” for rail travel throughout Germany
- Possibility to access “JobRad” and “DB Bike flat” programmes
- Banking industry retirement pension scheme
- Free fresh fruit and coffee
- Corporate Benefits programme
- eGym Wellpass
- Flexible working hours and the possibility of hybrid working
Have we sparked your interest?
Then we look forward to receiving your application.
Please also let us know your salary expectations and the earliest possible starting date.
Contact us: deu.Job-CreditRiskprocredit-group.com
Your benefits at a glance:
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A job with meaning
Is your career not only a job, but a calling? Do you want to make a difference? Then you’ve come to the right place: Whether it’s the expansion of renewable energies, the economic upturn in South Eastern and Eastern Europe or Ecuador – with us, your work contributes to ecologically and socially sustainable economic development
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Code of Conduct
Our values are important to us. That is why our Code of Conduct commits us to acting responsibly, transparently and fairly – and to treating one another with respect and professionality.
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Internationality and diversity
Colleagues from over 20 different countries work together as a team. Group-wide cooperation, particularly with the other ProCredit banks in twelve countries, both in and outside the EU, also guarantees a unique working environment.
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Work-life balance
We know that your work is important to you – but we also know that there are other priorities in your life. That’s why we offer you the option of remote work, flexible working hours, part-time work, 30 days of vacation and various opportunities to apply for special leave for personal matters.
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Mobility
You don’t live in Frankfurt or don’t own a car? No problem! At ProCredit Bank, we offer our employees a subsidised transportation ticket (Deutschland-Ticket), and for those interested, you can even get a bike (JobRad).
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Health and sport
Your physical well-being is also important to us. We support your health by providing ergonomic office equipment, fresh fruit, coffee and tea, as well as a subsidy for an EGYM Wellpass.
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Development and responsibility
We believe in your potential. With us, you can take on responsibility right from the start, benefit from flat hierarchies, and take advantage of an individual training budget. We also have two academies where regular training courses are held.
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Pension plan
We provide support for you in all stages of life, including retirement. To ensure your financial security in old age, you can join the banking industry’s pension scheme (BVV) through us. In addition, we will match the amount you pay in, thereby doubling your contribution.
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Employee benefits
Employees can take advantage of numerous offers via Corporate Benefits and obtain discount vouchers in categories such as travel, fashion, technology, lifestyle, tickets and many more.