Junior Credit Analyst

• Spread financial statements in accordance with bank guidelines
• Analyze audited financial statements, including income statements, balance sheets, cash flow statements, and notes to the financials
• Interpret financial trends and assess a company’s financial performance, liquidity, leverage, and overall creditworthiness
• Conduct in-depth industry analysis to identify key opportunities, challenges, and threats that may impact the companies under review
• Connect industry insights with company-specific risks and strengths to form a holistic credit perspective
• Identify information gaps or unclear items in financial statements and proactively prepare relevant questions for client discussions
• Engage with clients to clarify financial or business details not available in public sources or audited reports
• Thoroughly prepare credit applications
• check their completeness
• request clarifications if necessary
• assess them in the context of the valid / relevant policies, procedures and guidelines
• Follow and monitor the portfolio of assigned/covered clients through their lifetime and escalate proactively and timely all potential credit issues acting as First Line of Defense
• Effectively manage and closely monitor classified customers covered
• propose feasible account strategies avoiding / minimizing potential losses
• Participate on CLM tasks/requirements such as greenlights, quarterly financial reviews, and ad-hoc reporting, portfolio stress testing, audit etc
• Communicate efficiently across the bank (Business, Risk, CRMS, Legal, Operations, and others)
• Maintain strict confidentiality on all accounts, bank products and policies

• 2-3 years previous experience in a financial institution with a focus on financial spreading and credit analysis
• Extensive knowledge of Generally Accepted Accounting Principals (GAAP) accounting, IFRS, financial regulations, financial products, and credit analysis
• Good verbal and written communication skills in English and German
• Bachelor’s/University degree or equivalent experience
• Ability and motivation to learn
• Self-organized person with ability to pay attention to details and work under pressure

French language is also desirable