Credit analyst within the back-office Active (m/f/d)

We at Sparkasse Göttingen support people every day to make their lives successful. To this end, we act as a Sparring partner in all situations of life and focus on customer orientation and proximity. With our sophisticated range of services and products, we support them in all questions about their finances and insurance and help to find individual solutions. We succeed in this thanks to our clear distribution structure and strategic orientation. With approx. 600 qualified employees and 17 locations in private customer sales, we are with a balance sheet total of 4,55 billion euros in a business area that goes beyond the city of Göttingen and the county to Hann. Münden, the leading financial service provider and thus also one of the most powerful employers in the region.

You maintain the complex, i.e. difficult and important credit commitments from the customer segment assigned to them, including Evaluation of the annual accounts and assessment of collateral. You calculate the customer's ability to provide capital, You create credit ratings and issue the market succession vote for credit applications. You bear the risk responsibility for the respective credit exposure. You conduct engagement-related credit surveillance including Early warning system. You control and manage overdrafts of existing credit commitments. You are direct contact persons for credit issues, in particular to support sales.

You have completed bank/park occupant training and have further qualified for business and consulting. You have extensive experience in the processing of complex, i.e. particularly difficult and significant credit commitments. You have already gained well-founded knowledge in the evaluation of credit documents (including economic documents). You are understood as 'internal consultants' for the consultants of the business customer sector and are characterized by good communication skills and a safe and solution-oriented appearance. You take responsibility for technical issues of credit analysts, in particular on supervisory issues. You bring the necessary motivation, resilience and flexibility. We presuppose a team-oriented behaviour and working.

In addition to the remuneration of the TVöD-S, you can benefit from up to 13.8 salaries and asset-effective services of up to 40 € per month. We also offer you an attractive employer-funded pension scheme.

Your work-life balance is important to us, mobile work is a solid component. We offer flexible working time models. You can look forward to 32 holiday days plus two bank holidays a year. In addition, there is the possibility to buy additional holiday days.

We want to support you in your personal and professional development, which is why we enable you to provide you with employee-funded training (personal training budget) and offer you good career prospects.

In addition to a company sports group, we offer bike leasing and a wide range of health services with well pass.

We not only work together, but also celebrate together, such as at our company festivals. Take advantage of exclusive employee offers and discounts for travel and shopping.