Kreditanalyst für Public Sector (m/f/d)

The HypoVereinsbank is part of UniCredit, a pan-European commercial bank. Our goal is to help the company develop further by offering our corporate customers and private customers the best solutions in the world and bringing their potential and the potential of our employees to development. Digitalization and our commitment to ESG principles - Sustainability & social justice - are the basis for our actions. You encourage us to accompany and empower our stakeholders. With our sustainability strategy, our products and social impact banking, we contribute to a life-saving future. Our success is based on the diversity and uniqueness of our employees. That is why we respect and promote equal opportunities in all dimensions of diversity, equity and inclusion: from age to gender and nationality to religion. We do not think in hierarchies, but create an environment in which every opinion is appreciated. For this reason, we have also been awarded the European top employer for the repeated time. Also you become part of us - be yourself and grow with us.

The individual credit business is assigned to the Corporate Credit unit within the Corporates Bank and includes the credit commitments in the market (Corporates, Private Customer Bank) with a competence value from Euro 10 million. As a responsible (Senior)Credit Analyst, in close cooperation with the maintainer(s):in decision-ready credit templates focusing on complex credit exposures in the Public Sector segment. This includes the balance sheet and future and problem-solving analyses. You carry out the credit class determination independently in the respective systems (rating proposal). In addition, you ensure the corresponding implementation of the credit decision in terms of speed and quality. Digitization of processes is natural for you in the application, you accept it and also motivate your environment to use. In the Public Sector you will encounter a varied topic. Local companies (e.g. municipal works, infrastructure companies), business associations & educational institutions with corporate structures are an important part of our society and the economy. Transformation processes associated with climate change, digitization, the maintenance and further development of existence, administrative modernisation and demographic change are ubiquitous with our customers.

Type of employment: Full or part-time possible Analysis and Evaluation of Credit Documents Analyzing credit documents and relevant financial information, assessing customer and credit risks and assessing customer rating using scoring and rating procedures. In doing so, you will start predictive risk analyses (“Forward Looking”). Creation of risk-based credit templates Together with the customer service providers, you prepare loan templates in a timely manner – even in complex financing transactions. You comply with statutory and internal requirements and work in English if necessary. Responsibility for your credit portfolio You take responsibility for the quality assurance of your credit portfolio and take into account current market and industry trends. Future-oriented credit and financial structuring You develop individual, scenario-based financing solutions in close coordination with customer supporters:inside, product specialist:inside, decision-makers:inside and committees within the UniCredit Group. Strategic risk analysis You’ll start sound credit and risk analyses and evaluate your client’s corporate strategy, taking into account industry-specific success factors. Credit monitoring and system maintenance You continuously monitor the credit exposures, consider the relevant systems and ensure proper credit management.

You have a completed training as a banking businessman or a comparable commercial qualification – ideally supplemented by a study or further training (e.g. a bank academy, VWA) A credit training or a degree like MBA/MAA will also help you You have several years of experience in the processing and structuring of complex credit commitments Analytical thinking, strategic understanding and creative solutions are among your strengths You can quickly capture complex issues and derive sound credit suggestions You make decisions, implement them consistently and convince with enforcing You bring very good knowledge of credit products, cash flow modeling and capital market-oriented topics with Flowing German knowledge is assumed, good English knowledge round your profile

JoinOurTeam – Our employees: the driving force behind our success and thus our highest good. Because we are aware of our responsibility as an employer, we were once again recognized as a top employer. Be part of our team.

LiveOurCulture – We don't just do our work, but experience and shape it together. As a real team, we communicate at eye level #GernPerDu, appreciate every opinion and are convinced that success is based on People Empowerment.

UnlockYourPotential – With us, you shape your training independently and individually. With extensive training measures, strategic and future-oriented development programs or individual mentoring, we give your career a perspective. In addition, up to 3h/month of your working time includes your personal development – whether design thinking, storytelling, mindfulness or time management, you decide!

DesignYourWorkingLife – Digitization and flexibility shape our modern working world. Design your daily work as it best suits you: whether in the office, remotely throughout Germany or from the EU country. You want to travel longer? Then take a Sabbatical and discover the possibilities of New Work with us.

CareNowForLater – We will also provide you in the future. In addition to monthly salary payments, retirement provision is a topic that you should not deal with at the beginning of the pension. That's why we support your retirement from the first day.

DontStopMoving – Use the flexibility of Wellhub: There are over 2,900 fitness, leisure and wellness facilities available throughout Germany, and even abroad you have access to the 53,000 partner facilities worldwide. Because movement for us not only means health, but also sustainability, we also offer you the opportunity to lease a JobRad and to receive the German ticket for only €25 instead of €63 per month. We support you in an active lifestyle and promote environmentally friendly, cost-effective mobility.

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