Credit Officer (d/f/m) Back-Office IK Nord

With around 410 employees, the Evangelische Bank, as a cooperatively organized modern credit institution, is the leading specialist bank for clients: women from church, diaconia, health and social affairs, as well as for all private clients who identify with our values. In our core business, we finance social projects from the fields of health, old care, youth and disabled assistance, education, affordable housing and private housing. We invest in projects, companies and institutions that contribute positively to the preservation of creation. Our entrepreneurial action is geared to the 17 sustainable development goals (SDGs) and to the demanding sustainability standard EMASplus. The Evangelical Bank as a cooperative bank moves nationwide in a special and partly regulated business field. In order to be successful, we place special demands on the knowledge of the industry and the partnership with members and customers. These peculiarities also reflect in our credit business in its entire form. A credit risk volume with institutional customers in the business areas of the Church, Diakonie, Housing Industry, Renewable Energies as well as the health and social sector is supervised by around €5.5 billion. The creditors are responsible for monitoring and processing their transferred credit portfolio. In addition, the IK Nord division monitors and second-votes credit decisions of the Bank's own assets. We are looking for a location in Kiel at the next time Lending agent (d/w/m)

You assess the market, customer and investment-specific risk potentials in the new and existing business including the own assets of the bank. You monitor the risk development of your own credit portfolio and its own assets including Risk early detection and credit rating approval You carry out the bidding of credit applications and approve them within your own competences. You take over the creation of credit and collateral contracts in the new and existing credit business. You are responsible for the independent audit of new business payouts and perform them. You work with the fulfillment of the requirements of § 18 KWG and plausibility balance sheet analyses. You are responsible for monitoring property security in compliance with the regulatory requirements. You're ordering and plausibilising obedience. The independent data management, security management and the management of the digitized credit files are also part of your task. You will also participate in projects.

You have a completed bank training or a comparable training qualification; a further qualification, e.g. a banker or economic studies, is advantageous. You ideally have professional experience in a bank's commercial credit business. Ideally, you have professional experience in a bank's own plant business, including regulatory requirements. have a strong interest in the subject. You have practice-oriented knowledge in credit and collateral contracting. You are safe in dealing with Microsoft Office. Agree-BAP experiences are a plus as well as openness to new software tools. A high level of loyalty, target orientation and flexibility is what distinguishes you. You value self-responsive and solution-oriented work within a motivated team and bring a high performance motivation, a structured way of working, analytical skills and a pronounced risk awareness. You have a sovereign and partnership communication and a high social competence.

A cooperatively organized special bank, which is characterised by value-oriented and forward-looking action and has made itself a name for itself, among other things, as a top employer in Germany. A modern, challenging, family-friendly and motivating working environment. Various benefits and measures for work-life balance, such as flexible working hours, mobile work an active occupational health management, driving cost subsidy for local transport, bicycle leasing and a family service. Compensation according to the collective agreement of the cooperative banks as well as an occupational pension scheme, asset-effective benefits and special conditions in the context of account management, investment and financing. .