Job Description

MNC- shared service center
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【Job Responsibilities】
• Responsible for a credit portfolio of predominantly German corporates ranging from mid-sized to multi-national companies from all sectors of the economy.
• Responsible for a credit portfolio of either international banks and the public sector or international non-bank financial institutions with varying levels of risk, difficulty and/or complexity. The focus is:

a) on financial institutions/banks and the public sector, or
b) on non-bank financial institutions (NBFI) including insurance companies, brokers/dealers, stock exchanges, clearing houses and investment companies or regulated funds (pension funds), hedge funds, leasing companies, factoring companies and private equity managers.

•  Independent analysis of individual financial and economic conditions of borrowers (annual financial statements, interim figures, business model, market and competition, forward-looking analysis, preparation of forecasts, sensitivity analysis, analysis of debt service capacity)
  • Spreading / validation of spreading of the annual financial statements via internal tools; approving the spreading before using it in the rating process
  • Qualitative and quantitative risk analysis of a counterparty within the rating process
  • Rating finalization by setting PD rating.
  • If appropriate credit decision and approval within the framework of required process.
  • Preparation of different sector analysis, e.g. assessment of banking system of a country regarding stability, risks, quality of supervision 

Job Requirements

 • Possess at least degree in business economics, finance, accounting or related studies
• Min 2 - 8 years experience in the credit risk analysis of institutional clients
• Must in banking, financial investment, or banking share services industry
• Knowledge of global accounting standards and accounting principles
• Knowledge of financial markets, regulatory requirements and economic relationships
• Understanding of complex risk issues, analytical skills, readiness of mind, decision-making power, resilience, and sense of responsibility
• Methodically structured working methods; organizing your own work independently
• Understanding digitization
• Enjoy working in a team with different cultures
• Good command of written and spoken English - additional language skills would be desirable, e.g. German
• Good skills in usage of MS Office applications (Excel, Word) as well as experience in handling data and IT tools 

Skills