Senior Credit Analyst – Sensitive Risk Manager

Jobtailor; Deutschland; Remote; EUR 60.000 - 90.000; Vollzeit

Zusammenfassung

Jobtailor is seeking a seasoned credit risk professional to proactively manage a portfolio of buyers, perform financial and credit analysis, and determine appropriate credit ratings. You will engage with Finance Directors and treasurers, monitor high-risk buyers, and develop risk-monitoring plans aligned with company policies.

Ideal candidates have 4–7 years in financial management within banking, credit insurance brokerage, or credit insurance environments, with strong quantitative and

Qualifikationen

• Bachelor's degree in business administration, economics or finance.
• MBA preferred.
• 4-7 years’ experience in financial management experience in banking, credit insurance brokerage or a credit insurance environment.
• Excellent computer skills, with an understanding of financial software and spreadsheet packages.
• Excellent understanding of Financial Statements.
• Excellent analytical skills.
• Interpersonal skills in high-level business meetings, both internally and externally.
• Exceptional written communication skills.
• Computer literate and familiar with Microsoft Word and Excel.
• Effective at time management.
• Credit knowledge and experience with high volume risk analysis and underwriting.
• Market knowledge of the local economic environment.
• Expertise on a particular region and/or trade sector.
• Strong skills in financial analysis; very good knowledge of Finance and Credit Management.
• Expertise and experience in buyer assessment.

Aufgaben

• Proactively manage a portfolio of buyers by gathering information and assessing targets.
• Manage a profitable portfolio of business within agreed parameters using sound credit analysis techniques.
• Perform financial and credit analysis to determine appropriate company credit ratings.
• Conduct buyer visits or telephone interviews to obtain critical portfolio-monitoring information.
• Monitor high-risk buyers and solicit proprietary information for the EHNA database.
• Establish and maintain contact with Finance Directors and treasurers through visits, telephone, and written correspondence.
• Use available information to consistently grade buyers within authority and make detailed recommendations outside authority.
• Communicate with Sales Agents, Commercial Underwriters, and/or customers regarding underwriting requirements, industry outlooks, and target markets.
• Create industry sector outlooks using public and proprietary information to determine market trends.
• Devise and execute rigorous risk-monitoring plans, including review dates, follow-ups, and updates.
• Produce accurate periodic reports for internal and external stakeholders and execute necessary follow-up actions.
• Monitor, alert, and propose improvements for early identification of deteriorating risk or buyers at risk of default.
• Recommend risk underwriting strategies for specific buyers to minimize default while optimizing customer satisfaction.
• Identify and apply risk reduction and mitigation strategies on a case-by-case basis.

Kenntnisse

Financial Analysis

Credit Analysis

Risk Mitigation Strategies

Financial Statement Analysis

Buyer Assessment

Market Trend Analysis

Credit Knowledge

Underwriting Strategies

Portfolio Monitoring

Time Management

Interpersonal Skills

Written Communication

Ausbildung

Bachelor's Degree in Business Administration

MBA Preferred

Tools

Financial Software

Spreadsheet Packages

Microsoft Word

Microsoft Excel

Jobbeschreibung

• Proactively manage a portfolio of buyers by gathering appropriate information and assessing buyers according to defined targets through manual grading


• Manage a profitable portfolio of business within agreed parameters using sound credit analysis techniques


• Perform financial and credit analysis to determine appropriate company credit ratings


• Conduct buyer visits or telephone interviews to obtain critical portfolio-monitoring information


• Monitor high-risk buyers and solicit proprietary information for the EHNA database


• Establish and maintain contact with Finance Directors and treasurers through visits, telephone, and written correspondence


• Use available information to consistently grade buyers within authority and make detailed recommendations outside authority


• Communicate with Sales Agents, Commercial Underwriters, and/or customers regarding underwriting requirements, industry outlooks, and target markets


• Create industry sector outlooks using public and proprietary information to determine market trends


• Devise and execute rigorous risk-monitoring plans, including review dates, follow-ups, and updates


• Produce accurate periodic reports for internal and external stakeholders and execute necessary follow-up actions


• Monitor, alert, and propose improvements for early identification of deteriorating risk or buyers at risk of default


• Recommend risk underwriting strategies for specific buyers to minimize default while optimizing customer satisfaction


• Identify and apply risk reduction and mitigation strategies on a case-by-case basis


• Communicate efficiently with buyers and policyholders to support the identified risk strategy

Requirements

• Bachelor's degree in business administration, Economics or Finance


• MBA preferred


• 4-7 years’ experience in financial management experience in banking, credit insurance brokerage or a credit insurance environment


• Excellent computer skills, with an understanding of financial software and spreadsheet packages


• Excellent understanding of Financial Statements


• Excellent analytical skills


• Interpersonal skills in high-level business meetings, both internally and externally


• Exceptional written communication skills


• Computer literate and familiar with Microsoft Word and Excel


• Effective at time management


• Bilingual preferred


• Credit knowledge and experience with high volume risk analysis and underwriting


• Market knowledge of the local economic environment


• Expertise on a particular region and/or trade sector


• Strong skills in financial analysis; very good knowledge of Finance and Credit Management


• Expertise and experience in buyer assessment

Core Competencies

Demonstrates expertise in financial and credit analysis, effectively managing a portfolio of buyers while employing sound credit management strategies. Proficient in communication and interpersonal skills to engage with stakeholders and assess risk in a dynamic economic environment.

Highest-signal resume keywords

• Financial Analysis


• Credit Management


• Risk Assessment


• Portfolio Management


• Bilingual Communication

Hard Skills

• Financial Analysis


• Credit Analysis


• Risk Mitigation Strategies


• Financial Statement Analysis


• Buyer Assessment


• Market Trend Analysis


• Credit Knowledge


• Underwriting Strategies


• Portfolio Monitoring


• Time Management

Soft Skills

• Interpersonal Skills


• Written Communication


• Analytical Skills

Certifications & Qualifications

• Bachelor's Degree in Business Administration


• MBA Preferred

Industry Keywords

• Credit Insurance


• Banking


• Economic Environment


• High Volume Risk Analysis


• Commercial Underwriting

Tools & Technologies

• Financial Software


• Spreadsheet Packages


• Microsoft Word


• Microsoft Excel