Your Tasks:
* Credit support for medium to large car dealership groups, if required also in the intensive and problem loan area
* Preparation of the qualified credit opinion, credit decisions within the scope of the granted authority (€ 2 million) and preparation of decision-ready draft resolutions for higher-level decision-makers, also in English
* Recommendation of rating upgrades/downgrades
* Financing advice for borrowers on investment projects with negotiation of collateral
* Preparation of loan and collateral agreements
* Ongoing creditworthiness monitoring on the basis of annual financial statements, income statements during the year, planning calculations, income and asset documents and forward-looking KDF analyses
* Analyses for early risk detection - recommendation and initiation of risk-reducing measures if necessary
* If required, plausibility check of restructuring concepts and ongoing monitoring of implementation with reporting on target/actual analyses
* Participation in intra-departmental or cross-departmental process changes or projects to continuously improve the quality and efficiency of processes
Your Profile:
* Successfully completed training as a bank clerk (m/f/d) with further training or a degree in business administration or a comparable qualification
* At least 5 years of professional experience in the commercial lending business, ideally also in the area of investment financing
* Sound knowledge of balance sheet and credit analysis and in the assessment of credit risks in the commercial lending business with the necessary legal expertise
* Sound judgment, assertiveness and negotiating skills
* Responsible way of working and strong analytical and conceptual skills
* Willingness to learn and quality awareness
* Customer-oriented thinking
* Confident handling of the MS Office package
* Very good knowledge of German and good technical knowledge of English