Inserat online seit: 18 Juni
Aufgaben der Stelle
We are supporting a growing and data-driven financial services platform in the search for Credit Analyst. This role sits at the center of the credit function, combining detailed financial analysis with independent decision-making and close collaboration across risk, commercial, and operations teams. Responsibilities Analyse financial and transactional data to assess creditworthiness Evaluate repayment capacity by reviewing cash flow, liquidity, leverage, and overall business sustainability, identifying key risk and growth drivers Structure tailored financing solutions, defining appropriate loan size, duration, and pricing based on risk profiles Take ownership of credit decisions within defined approval limits, ensuring consistency and alignment with internal risk frameworks Assess complex or non-standard credit cases and develop pragmatic, risk-appropriate solutions Balance business growth objectives with prudent risk management to support sustainable portfolio development Contribute to monitoring and improving portfolio quality, identifying trends and potential risk signals Collaborate with cross-functional teams (risk, commercial, operations) to ensure aligned and efficient deal execution Support the enhancement of underwriting standards, credit policies, and decision frameworks through continuous feedback Identify opportunities to improve efficiency in underwriting processes, including workflow optimisation and the use of data Ensure clear and structured documentation of credit decisions and underlying rationale Requirements Experience in underwriting, credit analysis, or risk management Solid understanding of corporate financials, including financial statement analysis and cash flow assessment Experience in making or supporting credit decisions with awareness of risk-return considerations Strong analytical skills with the ability to assess complex data and derive clear conclusions Ability to work with both traditional financial information and alternative data sources Structured and efficient working style, with the ability to manage multiple cases in parallel High level of ownership and confidence in decision-making within defined frameworks Strong collaboration and communication skills, working effectively across different stakeholders Interest in improving processes and contributing to scalable underwriting frameworks Proficient in Excel; experience with data tools or SQL is an advantage Fluent German and English language skills, written and spoken
