Credit Analyst

Iwoca Ltd; Frankfurt; Vor Ort; EUR 55.000 - 70.000; Vollzeit

Benefits dieser Stelle

26 days of vacation plus a birthday off

One-month fully paid sabbatical after 4 years

Mental health support

Ski chalet access in winter

Gym membership program

Company Pension with Canada Life

Paid volunteer day

Corporate Benefits discounts

Fully stocked fridges in office

Zusammenfassung

Iwoca Ltd is seeking a Credit Analyst in Frankfurt to assess credit applications using modern technology and a variety of data sources. This role offers autonomy in decision making and supports complex decisions alongside other analysts.

The candidate should have experience in credit analysis, strong business acumen, and excellent communication skills in English and German. The position is hybrid, allowing flexible working arrangements to promote work-life balance.

Qualifikationen

• Proven experience in commercial loan underwriting, credit sanctioning, or credit analysis within the SME sector in Germany.
• Demonstrated curiosity to use and learn about AI tools.
• Excellent communication skills in both business English and German.

Aufgaben

• Assess credit applications using varied data sources.
• Support analysts on complex decisions and optimize lending approach.
• Work closely with analytics teams to enhance credit decision-making.

Kenntnisse

Experience in commercial loan underwriting

Strong business acumen

Ability to interpret financial statements

Excellent communication skills in English and German

Analytical mindset

Jobbeschreibung

The role

• To assess credit applications – you’ll use your experience, a variety of data sources and our tech platform to make fast, fair and accurate decisions.
• You’ll have autonomy in decisioning, the scope of which will increase over time as you build knowledge of our systems and processes.
• You will support other analysts on larger and more complex decisions, which is a key part of our workflow.
• Our credit decisioning is data driven. You’ll work alongside our analytics teams to optimise our approach to lending and adapt your own approach in line with that goal.

The requirements

Essential:

• Demonstrates curiosity to use and learn more about AI tools. You’ll already be comfortable using AI tools in practical ways to help solve problems, increase productivity and improve quality of work, showing good judgement about when to use them and the ability to explain the reasoning behind that use.
• We look for people who are smart, humble, motivated and who are always looking to improve.
• Experience in commercial loan underwriting, credit sanctioning or credit analysis within the SME sector in Germany.
• Strong business acumen and a working understanding of the risk and revenue drivers that influence the creditworthiness of a loan application.
• The ability to interpret & analyse financial statements.
• A motivated and enthusiastic attitude that works well in a regularly changing and fast paced environment.
• Excellent communication skills in business English and German.
• An analytical mindset with a practical approach to problem solving. You come up with innovative and scalable solutions to day-to-day problems and suggest changes to processes to improve efficiency.

Don’t take this list as prescriptive: it’s just to give you a sense of who might do well at the job. We’d still love to hear from you if you don’t hit every point on the list, or if you have other experience.

Work-life balance is incredibly important at iwoca and we offer flexible working so you can make better use of your free time. This is a hybrid role in which you can split your time between the office and home.

The salary

We expect to pay from 55,000 - 70,000 EUR for this role. But, we’re open-minded, so definitely include your salary goals with your application. We routinely benchmark salaries against market rates, and run quarterly performance and salary reviews.

The benefits

• 26 days of vacation a year plus a free day for your birthday.
• One-month fully paid sabbatical after 4 years.
• Mental health support with direct access to certified psychologists via our partner OpenUp.
• iwoca takes over a ski chalet in winter so that you and your team can ski or snowboard (and work) for a week. During summer we are drawn to the sun. We’ve been to France, Italy, Spain, and further afield.
• Access to the gym membership program, €25 for either Fit711 or Urban Sports Club.
• €30 contribution towards the Deutschlandticket.
• Company Pension with Canada Life.
• Great office locations. In Frankfurt in the middle of the city, our Berlin office is located in Prenzlauer Berg.
• A paid volunteer day that gives you the opportunity to invest time to support a charity of your choice.
• Corporate Benefits discounts.
• ‘iwocans’ also benefit from fully stocked fridges in our offices with whatever is needed to strengthen them. There are snacks (both healthy and less healthy) for the whole day.

Learning & Development

• A learning and development budget for everyone, including a book budget.
• Learning German budget.
• Company-wide talks with internal and external speakers.
• Access to learning platforms like Treehouse.