Kreditanalyst (all genders)

The Sparkasse Vest Recklinghausen is one of the largest savings banks in Westphalia – and we are even more. We understand ourselves as an innovative service provider on site with a great deal of proximity to our customers and a social responsibility for the circle of Recklinghausen. We focus on sustainability with the aim of climate-neutral work. We represent values such as fairness, solidarity and partnership, not only in relation to our customers, but also in cooperation with our employees. Enrich our team with your personality and expertise and join us as a credit analyst (all genders) in the group credit analysis of the credit department at Recklinghausen-Königswall.

Evaluation of documents for the performance of § 18 KWG as well as internal disclosure, analysis of the economic conditions of borrowers (incl. EBIL creation) and creation and control of ratings Investigation of the ability to provide capital Construction and maintenance of borrower units and groups of connected customers Assessment (without real estate) and assessment of credit collateral Participation in the creation of credit decisions Deletion of market succession MaRisk Processing and monitoring of the early warning system Exercise of the monitoring function according to MaRisk in intensive care and refurbishment as well as take over relevant activities in this context Post-processing of concessions acc. FinRep Coordination with other parties involved in the credit process Participation in defined engagements in customer conferences and customer discussions Preparation of engagements for internal and external audits

Training as a banking businessman (all genders) with a further training as a business economist or a comparable training Multiannual experience in commercial credit analysis and processing in a bank Knowledge of the legal basis in credit analysis (e.g. KWG law, MaRisk, WohnimmoR) and product knowledge Technology affinity Load capacity healthy self-confidence

Work-Life-Balance: 32 days holiday incl. the possibility to acquire further holidays through salary change, flexible working time models with work time recording and sliding time, possibility to work mobile Competitive conditions: permanent employment relationship, transparent remuneration according to EC 9 C TVöD-S with fixed and variable pay components, employer-funded occupational pension schemes and supplementary sickness insurance, asset-effective benefits, employee conditions and discounts Career and development opportunities: diverse possibilities for personal, technical and methodological further education and potential development, in-house hospitations, value-adding onboarding Numerous additional services: JobRad, employee events, occupational health management, ergonomically and modernly equipped jobs, operating physician, corporate fitness, operating restaurant in Recklinghausen JOBV1_EN