Credit Services, Officer m/f/d

State Street Corporation; München; Sur place; EUR 90 000 - 120 000; Plein temps

Résumé du poste

State Street Corporation in Munich, Germany seeks an AVP in Global Credit Finance to extend credit products to current and prospective clients. The role emphasizes credit analysis, underwriting, and relationship management across syndicated, bilateral, or agented facilities.

The successful candidate will demonstrate strong analytical skills, stakeholder collaboration, and the ability to manage a diverse credit portfolio.

Qualifications

• Bachelor's degree in Business, Economics, Finance or Maths; MBA or CFA a plus but not required.
• Minimum of 5+ years of Credit/Fund Finance lending experience.
• Credit analysis, structuring and underwriting experience.
• Strong financial analysis and risk assessment skills.
• Excellent interpersonal, organizational and communication skills.
• Proficient in Excel.

Responsabilités

• Review and prepare written credit analyses (CAR/CAP), reports and summaries for credit approval ensuring timely processing.
• Provide effective credit portfolio oversight and management reporting.
• Collaborate with EMEA ERM Credit Approvers to ensure successful outcomes on credit requests and administration.
• Communicate effectively on specific business initiatives and transactions.
• Assist with management of a portfolio of credit facilities, including monthly and quarterly reviews to track performance, collateral and covenant compliance.
• Assist with structuring, underwriting and negotiating new credits and renewals.
• Work with MD/VPs on loan structuring, decision making and loan/LC documentation.
• Attend due diligence client meetings and maintain client credit relationships.
• Collaborate with GCF Loan Operations and GCF Middle Office on various issues.
• Assist with Agent Bank relationships in European Loan Markets.

Connaissances

Credit analysis

Credit underwriting

Financial analysis

Excel

Communication skills

Client service mindset

Attention to detail

Formation

Bachelor's degree in Business, Economics, Finance or Maths

MBA or CFA a plus

Outils

Excel

Description du poste

Join a team dedicated to extending credit products to existing and potential clients of State Street. Your work will contribute to maintaining and growing our relationships - the heart and soul of State Street's strategy. The Global Credit Finance (GCF) division is made up of approximately 150 employees in various locations across the globe. It provides a range of credit lending products to potential and existing clients of State Street. The business extends credit to clients from a wide range of products and industries including Fund Finance, Commercial Real Estate, Leveraged Loans, Municipal Finance and Stable Value Wrap. An incoming AVP on the team should possess a positive attitude and strong credit and analytical skills. The successful candidate will have an ability to work effectively with internal and external stakeholders to work on participations in syndicated, bilateral or agented credit facilities.

Major responsibilities

• Review and preparation of written credit analyses (CAR/CAP), reports and summaries and opinions for credit approval ensuring smooth and timely processing of assigned credit requests
• Provide effective credit portfolio oversight and management reporting
• Involvement with the EMEA ERM Credit Approvers to ensure successful outcome on credit requests and credit administration
• Communicate effectively on specific business initiatives and transactions
• Assist with the management of a portfolio of credit facilities, including regular monthly and quarterly reviews to track financial performance, collateral and covenant compliance escalating any breaches or concerns
• Assist with structuring, underwriting, negotiating and managing credit facilities for new business and renewals of existing credits
• Work closely with the MD and VPs in loan structuring, decision making processes and loan/LC legal documentation
• Attend due diligence client meetings and assist with the maintenance of client credit relationships
• Collaborate with GCF Loan Operations and GCF Middle Office on various issues
• Assist with the management of Agent Bank relationships in the European Loan Markets

Requirements

• Fund Finance credit and analytical lending industry knowledge and experience in credit analysis, structuring and underwriting

Education and Experience

• Degree in Business, Economics, Finance, Maths; MBA or CFA a plus but not required
• Minimum of 5+ years of Credit/Fund Finance lending experience
• Credit Training a plus

Skills/Knowledge

• Experience in Credit and Fund Finance work
• Strong financial analysis, analytical, credit underwriting and problem-solving skills
• Ability to produce detailed and concise risk analysis
• Excellent interpersonal, organizational and communication skills and ability to present and explain complex transactions
• A positive attitude, a client service mindset and high level of attention to detail
• Strong excel skills

The above cited duties and responsibilities describe the general nature and level of work performed by people assigned to the job. They are not intended to be an exhaustive list of all the duties and responsibilities that a candidate may be expected or asked to perform.

About State Street

Across the globe, institutional investors rely on us to help them manage risk, respond to challenges, and drive performance and profitability. We keep our clients at the heart of everything we do, and smart, engaged employees are essential to our continued success. We are committed to fostering an environment where every employee feels valued and empowered to reach their full potential. Join us in shaping the future.

• you’ll benefit from inclusive development opportunities, flexible work-life support, paid volunteer days, and vibrant employee networks that keep you connected to what matters most.

As an Equal Opportunity Employer, we consider all qualified applicants for all positions without regard to race, creed, color, religion, national origin, ancestry, ethnicity, age, disability, genetic information, sex, sexual orientation, gender identity or expression, citizenship, marital status, domestic partnership or civil union status, familial status, military and veteran status, and other characteristics protected by applicable law. Discover more information on jobs at StateStreet.com/careers Read our CEO Statement

Across the globe, institutional investors rely on us to help them manage risk, respond to challenges, and drive performance and profitability. We keep our clients at the heart of everything we do, and smart, engaged employees are essential to our continued success. We are committed to fostering an environment where every employee feels valued and empowered to reach their full potential. Join us in shaping the future.

• you’ll benefit from inclusive development opportunities, flexible work-life support, paid volunteer days, and vibrant employee networks that keep you connected to what matters most.

As an Equal Opportunity Employer, we consider all qualified applicants for all positions without regard to race, creed, color, religion, national origin, ancestry, ethnicity, age, disability, genetic information, sex, sexual orientation, gender identity or expression, citizenship, marital status, domestic partnership or civil union status, familial status, military and veteran status, and other characteristics protected by applicable law. Discover more information on jobs at StateStreet.com/careers Read our CEO Statement