Credit Risk Analyst

Ebury; Düsseldorf; Vor Ort; EUR 65.000 - 98.000; Vollzeit

Benefits dieser Stelle

Annual discretionary bonus

Mentorship by experienced managers

Central Düsseldorf Office

Zusammenfassung

Ebury in Düsseldorf offers a Credit Risk Analyst role in a hybrid setup (4 days in the office, 1 day remote). You will analyze SME creditworthiness, prepare submissions for the Credit Committee, and help develop automated risk models to adapt to local markets.

You will report to the Regional Head of Credit Risk, engage with front office and operations, and manage a portfolio of clients while enhancing risk methodologies.

Qualifikationen

• University degree in Accounting, Economics, Finance, Mathematics or similar.
• Fluency in German and English.
• Ability to read German management accounts (BWA, SuSa).
• Understanding of balance sheet, P&L and cash flow.
• Background in SME credit underwriting or financial analysis.
• Analytical mind and strong problem‑solving skills.
• Clear, concise communication style to explain complex concepts.
• Willingness to work in a highly demanding, result‑oriented environment.
• Working knowledge of Excel; VBA/Macros desirable.

Aufgaben

• Support and report to the Regional Head of Credit Risk.
• Undertake ad hoc requests from Head of Credit Risk and SVP.
• Perform detailed credit analysis of prospects and clients for trade finance and currency products.
• Present and defend analysis at credit committee meetings with senior management.
• Collaborate with front office and operations to ensure smooth client experience.
• Manage an existing portfolio of clients and monitor credit standings.
• Proactively manage your own pipeline of work.
• Coordinate with managers across geographies to share insights and assist.

Jobbeschreibung

Credit Risk Analyst

Ebury Dusseldorf Office - Hybrid: 4 days in the office, 1 day working from home per week

Ebury is a Global FinTech: we apply new technologies to enhance and automate financial services and processes. This allows small and medium‑size businesses to trade and transact internationally by eliminating boundaries related to more traditional.

Are you ready to be an Eburian?

The Credit Risk team undertakes a thorough, rigorous analysis of the SME businesses looking to use our services. This includes an assessment of their markets, financials, products, activities and cash headroom modelling.

You will be expected to prepare submissions and present to our Credit Committee making recommendations, as well as contribute to the development of automated risk modelling and to adapt our processes to local markets.

What you’ll do:

• Support, and report to, the Regional Head of Credit Risk.
• Undertake ad hoc requests from the Head of Credit Risk and SVP of Credit Risk.
• Perform detailed credit analysis of prospects and clients for the purpose of granting trade finance and currency trading products, with a focus on financials, operations, and trading cycles.
• Present and defend your analysis personally at credit committee meetings to senior management.
• Engage closely with other teams, such as front office and operations, to ensure a smooth client experience and that decisions made within the Credit Risk team are relayed clearly.
• Manage an existing portfolio of clients, monitoring their credit standing and risk v reward for Ebury.
• Proactively manage your own pipeline of work.
• Liaising with managers across our other geographies to add insight or assist where necessary.
• Share your thoughts to improve our processes.

The Person:

• University degree in Accounting, Economics, Finance, Mathematics or similar.
• Fluency in German and English.
• Ability to read German management accounts (BWA, SuSa).
• Experience in understanding how businesses work and perform. Full understanding of balance sheet, P & L and cash flow.
• A background in SME credit underwriting, experience in financial analysis, or a demonstrable understanding of how to assess an entity's creditworthiness.
• Analytical mind and strong problem‑solving skills.
• Demonstrable strong analytical ability.
• Clear, concise communication style, with the ability to explain complex concepts coherently.
• Willingness to work in a highly demanding and result‑oriented team environment.
• Working knowledge of Excel essential, VBA/Macros desirable.

Why Ebury?

• Competitive Starting Salary with an annual discretionary bonus that truly rewards your performance from day one.
• Dedicated Mentorship: Learn directly from experienced managers who are invested in your success.
• Cutting‑Edge Technology: Leverage state‑of‑the‑art tailor‑made tools and systems that enable you to perform at your best.
• Clear, Accelerated Career Progression: Defined pathways to leadership and specialist roles within Ebury.
• Dynamic & Supportive Culture: Work in a collaborative environment where teamwork and personal growth are prioritized.
• Generous Benefits Package: Access competitive benefits tailored to your location, which typically include health care and social benefits.
• Central Dusseldorf Office: A fantastic location with excellent transport links.