Credit Analyst (f/m/d)
GERMANY IT development
Job description
Financing the future.
We are more than Financial Services as we are turning ideas into reality. Be it the global transition to cleaner energy sources, the digitalization of manufacturing, the rapid development of smart infrastructure, mobility solutions and healthcare systems - financing is more crucial than ever. We make real what matters by combining our financial expertise with deep technical know-how to provide unique financial solutions. Do you want to play an essential role in helping build a better future? Are you also keen on turning established thinking on its head in the search for impactful solutions that improve value creation? Then join our team - and let’s develop together what will be important tomorrow!
Your responsibilities.
As Credit Analyst (f/m/d) in the Risk Rating department EMEA/Asia Australia you prepare credit analysis and assign risk ratings for borrowers of SFS’ commercial finance (mid-market) and corporate lending business and engage in the further development of rating methods, credit data banks and the digitalization of rating processes. Your tasks will include:
- Evaluating the creditworthiness of corporates and public entities as well as borrowers of leveraged finance loans in a broad range of industries in Europe, Asia, and Australia
- Analyzing borrower’s financial statements and cash flow projections and prepare and sensitize internally prepared cash flow models
- Collaborating as member of a deal team incorporating Rating, Risk Management and Origination
- Assigning an obligor rating within the given Rating Authority or present the analysis to the next higher rating authority holder, the Rating Committee and the Siemens Bank Credit Committee
- Monitoring the creditworthiness of portfolio counterparties and initiate rating actions as deemed necessary
- Ensuring constant knowledge exchange with Risk Rating Americas as well as Risk Management in the Business Units
- Supporting in refining existing rating methodologies and in developing new rating methodologies if required from the business
- Exploring opportunities within Risk Rating to digitalize parts of the analytical process and to use artificial intelligence solutions
Your toolkit for success.
- Showcase educational excellence with a relevant degree in economics/business administration or a comparable field of studies
- Bring at least 2 years of professional experience in financial analysis at a bank or comparable employer
- Alternatively, you have completed an apprenticeship in combination with long-term work experience
- Professional knowledge in corporate finance and macro economics would be encouraging
- If you bring first experience in working with financial models as well as professional analytical capabilities (financial statement analysis) we would be happy
- We want to get to know you if you possess the ability to convey analytical conclusions in a well-structured manner in a rating report and possess a confident appearance presenting rating analysis to Authority Holders
- Excel as a collaborative team member and thrive in fast-paced environments, all the while maintaining a positive mentality characterize your way of working
- Proficient German and English language skills, knowledge of other languages is a plus
What we offer.
- 2 to 3 days of mobile working per week as a global standard
- Attractive remuneration package
- 30 leave days and a variety of flexible working models that allow time off for yourself and your family
- Share matching programs to become a shareholder of Siemens AG
- Appealing Siemens pension benefits
- Find more benefits here
Individual benefits are adapted to meet local legal regulations, the requirements of different job profiles, locations, and individual preferences.
Do you want to know more about us?
We at Siemens Financial Services provide business-to-business financial solutions. Our outstanding combination of financial expertise, risk competence and industry know-how enable us to build tailored innovative financial solutions. With these, we facilitate growth, bring value, foster competitiveness and help customers access new technologies. We support investments with equipment financing and leasing, corporate lending, equity investments and project and structured financing. Trade and receivable financing solutions complete our portfolio. With our international network, we are well adapted to country-specific legal requirements and able to provide financial solutions globally. Within Siemens, we are an expert advisor for financial risks. We have our headquarters in Munich, Germany and almost 2,600 employees worldwide. Follow this link to discover our world: www.siemens.com/finance.
Make your mark in our exciting world at Siemens.
www.siemens.com/careers - if you would like to find out more about jobs & careers at Siemens.
FAQ - if you need further information on the application process.
As an equal-opportunity employer we are happy to consider applications from individuals with disabilities