Spezialist Credit Assessment Large Fleet (m/f/d)

• You are responsible for the risk-oriented credit assessment and decision of the incoming credit and leasing requests of our commercial customers

• In compliance with internal requirements and the Money Laundering Act as well as other banking regulations, you will check the creditworthiness of our customers and interested parties

• You recognise credit risks based on balance sheet analysis and specific rating procedures

• To do this, you will issue the relevant financial documents (annual accounts, etc.) and decide on this basis as well as other predefined criteria about the acceptance or rejection of a customer

• You clarify individual issues with customers and sales partners for the processing and decision status of credit/leaning requests

• If necessary, you will take a decision regarding security services such as guarantees, guarantees and advancements

• You're reviewing suspicions about fraud and money laundering

• In addition, you will review the extension of ongoing engagements taking into account further business information

• You support the further development of the relevant internal policies and the risk management system

• You work closely with Sales, Operations and Risk Management and actively contribute to the development and development of these areas

• Successfully completed economic studies, alternative commercial training with specialized additional training such as leasing or leasing. Banking

• Professional experience in the credit decision process for corporate customers of a bank or Leasing company or in a comparable function

• Knowledge in HGB, BGB and KWG are beneficial, as well as in terms of rating procedures and legal basis for financial institutions

• Affinity for numbers, mathematical understanding and high degree of decision-making competence in the sense of creditworthiness

• Knowledge of the documentation requirements of financial institutions

• Experience in the evaluation and analysis of annual accounts and financial indicators

• Structured operation, flexibility, high loadability and analytical understanding

• Embossed understanding of strategic and complex relationships

• Flowing German and good English skills

We offer you start-up mentality paired with work in a subsidiary of a world group - dive into the Toyota Way and the exciting corporate philosophy behind it. Embossed by high ethical and human values and a respectful working environment with close communication and constructive feedback, you work on short decision-making paths with great design space. Internal and external workshops and training are offered for your individual development. The Europe-wide cooperation within a global group offers diverse tasks in a dynamic environment. Flexible working hours are of course for us. In addition to an attractive remuneration, you also receive an occupational pension. We also offer a vehicle registration program and for your lunch we grant, there are two canteens to choose from. .