Credit Risk Officer, Hybrid (m/f/d)

State Street Corporation; Milano; In loco; EUR 30.000 - 50.000; Tempo pieno

Descrizione del lavoro

A leading financial services company based in Italy is seeking a Credit Risk Analyst to evaluate corporate exposures and support the Enterprise Risk Management team. The role involves analyzing financial risks and maintaining credit portfolios. The ideal candidate has a relevant degree, 2-3 years of financial services experience, and fluency in English and German. The position offers a hybrid work model and a variety of employee benefits including 30 days of annual leave and eye care benefits.

Servizi

Eye Care Benefits

30 days annual leave

Group Insurance

Group Pension Scheme

Lunch allowance

Discounted public transportation ticket

Competenze

• 2-3 years of experience in Credit Risk/Risk Management in large financial institutions.
• Knowledge of leveraged lending and current market standards for credit agreements.
• Fluency in English and German.

Mansioni

• Review and recommend credit exposures to corporate borrowers.
• Analyze financial forecasts and assess repayment risks.
• Maintain oversight of a portfolio of individual credits.

Conoscenze

Independent decision-making

Strong written and oral communication

Organizational skills

Analytical mindset

Time management

Formazione

Bachelor's and/or Master's degree in Finance, Business, or Economics

Strumenti

Microsoft Excel

Microsoft Word

Descrizione del lavoro

Who we are looking for

State Street is seeking a credit risk professional to analyze the bank's corporate exposure including Leveraged Loans, CLOs, and FX, who can support our Enterprise Risk Management team in Munich. This analyst position will support a number of business areas, including Global Credit Finance, Global Treasury, and Global Markets. The position will be a key part of the Enterprise Risk Management (ERM) team, providing a unique opportunity for an analyst to work in a dynamic risk management environment.

This role can be performed in a hybrid model, allowing you to balance work from home and office to match your needs and role requirements.

Why this role is important to us

The team you will be joining plays an important role in the overall success of the organization. Across the globe, institutional investors rely on us to help them manage risk, respond to challenges, and drive performance and profitability. To make that happen, we need teams like yours to help navigate employees and the organization as a whole. In your role, you will strive for cutting-edge solutions that are straightforward and scalable. You will help us build resilience and execute day-to-day deliverables at our best. Join us if making your mark in the financial services industry from day one is a challenge you are up for.

What you will be responsible for

As a Credit Risk Analyst for Corporates / Leveraged Loans, you will:

• Review and make recommendations to senior credit approvers on proposed credit exposures to large-scale, multi-faceted corporate borrowers, typically in complex financial transactions.
• Analyze historical and forecast financials, competitive position, industry dynamics, organizational structure, transaction legal structure, repayment risks, and other critical factors.
• Contribute to proactive oversight of a portfolio of individual credits, collaborating with senior approvers, staying abreast of periodic financial reporting and events. Active surveillance of the macro environment.
• Identify and ensure transparency of material credit risk issues, including exceptions.
• Be engaged in the resolution of adversely rated credit exposures. Support internal review and audit activities relevant to the Corporate portfolio.
• Create and run portfolio reports to assist in portfolio oversight efforts.
• Support and coordinate policy, guideline, and procedural updates, including alignment of local with global credit policies, guidelines, and procedures.
• Contribute to various departmental risk management and project assignments. Cooperate with specialists of the broader ERM function of SSBI GmbH and State Street globally.

What we value

These skills will help you succeed in this role

• Demonstrable track record of independent decision-making, along with strong written and oral communication and presentation skills.
• Strong organizational skills and the ability to manage multiple assignments concurrently.
• Demonstrated high energy and strong motivation to add value to the organization.
• Willingness to work with others on the team on special projects.

Education & Preferred Qualifications

• Successfully completed Bachelor's and/or Master's degree, preferably in Finance, Business, Economics, or a related field, or an equivalent educational background.
• Min. 2-3 years of financial services experience within Credit Risk / Risk Management in large financial institutions, with emphasis on leveraged lending and knowledge of pertinent terms and conditions, current market standards for credit, security, and inter-creditor agreements for leveraged loans.
• Knowledge of Capital Market products including Foreign Exchange, Treasury, and Derivatives is beneficial.
• Knowledge of structured products and securitization markets is preferable.
• Familiarity with regulatory risk rating requirements and application of such guidance.

Additional requirements

• Strong communication skills with fluency in English and German.
• Strong analytical mindset with attention to detail.
• Excellent time management skills and ability to work effectively under pressure.
• Proficiency in Microsoft Word and Excel; familiarity with market information tools is also preferred.

We offer

• Eye Care Benefits
• Holiday allowance: 30 days of annual leave + Birthday day off
• Group Insurance
• Group Pension Scheme
• Lunch allowance
• Discounted public transportation ticket
• And more

About State Street

What we do: State Street is one of the largest custodian banks, asset managers, and asset intelligence companies in the world. From technology to product innovation, we're making our mark on the financial services industry. For more than two centuries, we've been helping our clients safeguard and steward the investments of millions of people. We provide investment servicing, data & analytics, investment research & trading, and investment management to institutional clients.

Work, Live, and Grow: We make all efforts to create a great work environment. Our benefits packages are competitive and comprehensive. Details vary by location, but you may expect generous medical care, insurance, and savings plans, among other perks. You'll have access to flexible Work Programs to help you match your needs. Our wealth of development programs and educational support will help you reach your full potential.

Inclusion, Diversity, and Social Responsibility: We believe our employees' diverse backgrounds, experiences, and perspectives are a powerful contributor to creating an inclusive environment where everyone can thrive and reach their maximum potential while adding value to both our organization and our clients. We warmly welcome candidates of diverse origin, background, ability, age, sexual orientation, gender identity, and personality. Another fundamental value at State Street is active engagement with our communities around the world, both as a partner and a leader. You will have tools to help balance your professional and personal life, paid volunteer days, matching gift programs, and access to employee networks that help you stay connected to what matters to you.

State Street is an equal opportunity and affirmative action employer.

Job ID R-772928