Credit Risk Analyst / Surety Underwriter

Credendo; Köln; Hybrid; EUR 50.000 - 80.000; Vollzeit

Zusammenfassung

An established industry player is looking for a skilled Financial Risk Analyst/Surety Underwriter to join their dynamic team. This role involves managing client relationships, underwriting contracts, and assessing financial risks in a hybrid work environment. You will have the opportunity to influence strategic decisions and contribute to a respected company that values customer intimacy and reliability. If you are passionate about finance and eager to grow in a multilingual setting, this is the perfect opportunity for you.

Leistungen

Professional Growth

Learning Opportunities

Flexible Work Hours

Stable Employment

International Environment

Qualifikationen

• 2+ years experience as a Surety Underwriter or Credit Analyst.
• Strong credit analysis skills and ability to write risk assessments.

Aufgaben

• Manage relations with brokers to detect business opportunities.
• Responsible for underwriting and risk monitoring processes.

Kenntnisse

Credit Analysis

Negotiation Skills

Analytical Skills

Risk Assessment

Attention to Detail

Interpersonal Skills

Ausbildung

University Degree in Finance

University Degree in Economics

University Degree in Mathematics

University Degree in Business Science

Tools

MS Office

IT Tools

Jobbeschreibung

FINANCIAL RISK ANALYST / SURETY UNDERWRITER GERMANY, Cologne/Wiesbaden

(hybrid, f/m/x, 100%)

Who we are

Credendo is a European credit insurance group that is present all over the continent and active in all segments of trade credit and political risk insurance, providing a range of products that cover risks worldwide. Credendo is a leading European Credit insurance company, fueled by a multinational force of 563 professionals. Active in fourteen European countries, we serve local and international clients from all around the world. Even though we are rapidly growing, we strive to preserve the soul of a human-sized company in the way we interact with each other from top to bottom.

Credendo Guarantees & Speciality Risks (Credendo GSR) is a part of Credendo Group, specializing in three types of products: Credit Insurance, Surety and Single Risk and provides support to customers through its branches spread across Europe.

Credendo GSR’s mission is to support trade relations. We provide customised solutions of credit insurance, surety and single risks related to domestic and international trade transactions. We protect companies, banks and insurance undertakings against credit and political risks, and facilitate the financing of such transactions.

About the role

As a Credit Risk Analyst / Surety Underwriter at Credendo GSR, you will strengthen our Surety Team in Germany. Focus areas of a surety underwriter are risk underwriting & client management, product & risk portfolio management and compliance & controlling activities. You will implement a coherent and efficient strategic approach towards prospect and client management in conjunction with achieving the agreed targets.

What you will do

> managing and developing relations with brokers in order to detect business opportunities, anticipate the clients’ needs and manage the clients’ expectations,

> being responsible for the underwriting, contracts and bonds management and risk monitoring process (collection, analysis and integration of information) in order to elaborate business or risk mitigating proposals for the appropriate decision level,

> negotiating with clients, brokers and/or other parties in order to derive appropriate solutions aligned with both the needs of the clients and the company’s values

> issuing the bonds in case of a standard and non-standard wording in line with actual underwriting guidelines for Surety and existing general agreements,

> providing technical input for the development of new or revised products in order to allow an improvement of business adequacy,

> taking part in the decision-making process, either as an autonomous decision-maker or as a provider of material for the appropriate decision-making bodies, in order to ascertain the company’s position,

> ensuring that the necessary steps (such as issuance of contractual documents) are taken or directly taking those steps in order to execute the decision,

> proactively following-up the requests in order to control and/or mitigate the risk during the whole insurance cycle, including during a (potential) claims phase,

> make use of the group's information on macro- and microeconomic situations of regions and countries, in order to assess the conditions under which the debtors do business and gain insight into how a country or sector's characteristics can influence the debtor's risk profile,

> identifying and monitoring economic and legal trends that can influence the financial risk of supported companies and make a proposal how to translate this into underwriting strategy for different sectors and product profiles

What we expect from you ?

> university degree (Finance, Economics, Mathematics, Business Science)

> 2+ years proven working experience as a Surety Underwriter or Credit Analyst

> good command of IT tools

> fluent English and German

> strong credit analysis skills and ability to write-up risk assessments and defend them in front of Credit Committees

> very good analytical skills

> ability to interpret and integrate very diverse information

> good knowledge of accounting principles and practices

> high attention to detail and accuracy

> good judgement

> negotiation and interpersonal skills

> advanced computer skills on MS Office

What we offer

> a challenging career in a multilingual and international environment

> great and challenging place to work: international, dynamic, transparent, and informal in one of the credit insurance leader companies worldwide

> professional growth

> an interesting permanent contract in a stable, multilingual and international environment.

> learning opportunities to develop your skills and expertise.

> a salary corresponding to your profile and experience.

> a hybrid working arrangement (three days WFH) offering flexibility and a good work-life balance.

> a role in a company where the following values are key: respect, customer intimacy and reliability.

We expect that candidates will not meet every single desired qualification. If your experience looks a little different from what we’ve identified and you think you can bring value to the role, we’d love to learn more about you.

Interested?

Please apply here or send your CV to Gernot Baumgartner: [e-mail]