Credit Analyst / Balance Sheet Analyst Back-Office (m/f/d)

You are responsible for the independent analysis and assessment of the economic circumstances of our customers in the new and existing business of the bank. To do this, you conduct balance sheet, financial statements and credit assessments. The future-oriented assessment of corporate risks and potentials, including sensitivity and scenario analyses, is also part of your task and forms an important basis for credit decisions. You process credit ratings, carry out credit ratings and perform tasks in the context of risk early detection. If necessary, you will obtain further information. You participate in fulfilling the requirements of § 18 KWG. With our credit consultants, you work closely together and as a competent contact person, you support sales in credit-relevant questions. You participate in specialized projects.

You have a completed bank training or a comparable training qualification, for example as a balance sheet book holder, tax specialist or from the context of the audit. A further qualification, e.g. a banking specialist, a banking business economist or economic studies, is advantageous. You ideally have professional experience in commercial credit, credit analysis, balance sheet analysis or credit assessment. You have sound knowledge of HGB accounting standards and experience in the analysis of annual accounts. 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 target orientation, flexibility and sense of responsibility is yours. 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, a pronounced risk awareness and a high number affinity. You have a sovereign and partnership communication, a high social competence and a very good written expressability.

A cooperatively organized special bank, which is characterised by value-oriented and forward-looking action and is recognized as a top company. A professional onboarding including an extensive incorporation phase. A modern, challenging, family-friendly and motivating working environment. Various benefits and measures for work-life balance, such as flexible working hours, mobile work, active operational health management, driving costs for local transport, bicycle leasing and family service. A fair remuneration 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. .