Credit Analyst

Zoomlion Europe GmbH; Frankfurt; On-site; EUR 60,000 - 90,000; Full time

Job summary

Zoomlion Europe GmbH in Frankfurt is seeking a Credit Risk Analyst to conduct regional credit assessments and monitor accounts receivable in line with headquarter policies. You will evaluate customers' financial health, repayment capacity, and industry position to prepare comprehensive reports.

You will also support risk controls, liaise with banks and financial partners, and stay compliant with KWG and Basel III. Fluency in English and German is required; driving license is preferred.

Qualifications

• Bachelor's degree or higher in Economics/Finance/Accounting/Management.
• Minimum 3 years' experience in financial institutions or corporate credit analysis; construction machinery industry preferred.
• Proficient in credit risk investigation; strong asset, risk, financial analysis and negotiation skills.
• Professional certifications such as CFA/FRM/CPA are preferred.
• Fluent in English and German; Chinese is a plus.
• Knowledge of KWG and Basel III; driving license in Germany/EU preferred.

Responsibilities

• Conduct credit analysis and on-site assessments for end customers/agents in the region; prepare credit assessment reports.
• Monitor accounts receivable regionally; track payments and issue early warnings; prepare monthly AR analyses.
• Establish and manage risk control channels within the region; collaborate with credit bureaus.
• Support development of financial institutions and facilitate third-party financing orders.
• Promote compliance in credit sales operations and assist with document management.
• Conduct market research within the region.

Skills

Credit analysis

Financial analysis

Negotiation

Report writing

English

German

Education

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

Master's degree or MBA preferred

CFA/FRM/CPA preferred

Job description

Job Responsibilities

1. 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.
2. 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.
3. Establish, maintain, and manage risk control channels within the region, including the registration of mortgages or retention of title, and collaboration with credit bureaus.
4. Support the development of financial institutions, maintain relationships with financial partners, and facilitate the progress of third-party financing orders within the region.
5. Promote compliance management of credit sales operations within the region and assist with document management.
6. Conduct relevant market research within the region.

Job Requirements

1. Bachelor's degree or above in Economics, Finance, Accounting, Management, or related fields. Master's degree or MBA is preferred.
2. Minimum of 3 years of relevant work experience in financial institutions or corporate credit analysis. Experience in the construction machinery industry is preferred.
3. Familiar with credit risk investigation procedures; proficient in writing credit reports; strong capabilities in asset analysis, risk assessment, financial analysis, and negotiation.
4. Professional certifications such as CFA, FRM, or CPA are preferred.
5. Fluent in English and German as working languages (Chinese is a plus).
6. 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.
7. Valid German/EU driving license is required.