Credit Analyst

Zoomlion Europe GmbH; Frankfurt; Vor Ort; EUR 55.000 - 85.000; Vollzeit

Zusammenfassung

Zoomlion Europe GmbH is seeking a credit analyst to conduct in-region credit assessments and monitor accounts receivable, ensuring adherence to headquarter policies. The role involves evaluating customers’ financial health, maintaining relations with financial partners, and supporting third-party financing within Germany.

The position requires a bachelor’s degree or higher in economics/finance, at least 3 years’ experience in financial institutions or corporate credit analysis, and fluency in

Qualifikationen

• Bachelor's degree or above in Economics, Finance, Accounting, Management, or related fields; Master's degree or MBA preferred.
• Minimum of 3 years of relevant work experience in financial institutions or corporate credit analysis.
• Experience in the construction machinery industry preferred.
• Proficient in credit risk investigations; strong asset, risk, and financial analysis capabilities; skilled in negotiation and reporting.

Aufgaben

• Conduct credit analysis and on-site credit assessments for end customers/agents within the region.
• Oversee daily monitoring of accounts receivable; track payments and issue warnings; prepare regional AR analysis reports.
• Establish and manage risk control channels within the region and collaborate with credit bureaus.
• Support the development of financial institutions, maintain relationships with financial partners, and facilitate third-party financing orders.
• Promote compliance management of credit sales operations and assist with document management.
• Conduct market research within the region.

Kenntnisse

Credit analysis

Financial analysis

Negotiation

Report writing

English & German fluency

Ausbildung

Bachelor's degree or above in Economics/Finance/Accounting/Management

Master's degree or MBA preferred

Jobbeschreibung

• Conduct credit analysis and on-site credit assessments for end customers/agents within the region in accordance with headquarters' credit policies; comprehensively evaluate customers' operational status, financial condition, industry position, and repayment capacity; and prepare credit assessment reports.
• Oversee daily monitoring of accounts receivable within the assigned region; regularly track customer payment progress; identify overdue payments in a timely manner and issue early warnings to the corresponding product lines; prepare monthly regional accounts receivable analysis reports.
• Establish, maintain, and manage risk control channels within the region, including the registration of mortgages or retention of title, and collaboration with credit bureaus.
• Support the development of financial institutions, maintain relationships with financial partners, and facilitate the progress of third-party financing orders within the region.
• Promote compliance management of credit sales operations within the region and assist with document management.
• Conduct relevant market research within the region.

Job Requirements

• Bachelor's degree or above in Economics, Finance, Accounting, Management, or related fields. Master's degree or MBA is preferred.
• Minimum of 3 years of relevant work experience in financial institutions or corporate credit analysis. Experience in the construction machinery industry is preferred.
• Familiar with credit risk investigation procedures; proficient in writing credit reports; strong capabilities in asset analysis, risk assessment, financial analysis, and negotiation.
• Professional certifications such as CFA, FRM, or CPA are preferred.
• Fluent in English and German as working languages (Chinese is a plus).
• Familiar with the local legal environment and corporate regulations in Germany; knowledge of the German Banking Act (KWG) and Basel III regulatory framework is preferred.
• Valid German/EU driving license is required.