Financial Institutions Credit Officer (Full-Time) (f/m/d)

Tasks

The position of Financial Institutions Credit Officer involves the following responsibilities:

• Responsibility for all credit risk aspects of a financial institution’s portfolio involving domestic and international professional counterparties (including funds, brokers, and corporations)
• Evaluation, analysis, and structuring of loan applications/transactions
• Detailed risk assessment of counterparties and products
• Ensuring that appropriate risk standards are implemented and adhered to
• Credit services for internal clients
• Determination of the counterparty risk rating
• Preparation and approval of credit limits within the delegated credit approval authority (depending on risk rating and amount)
• Regular review of approved limits within the assigned portfolio
• Ongoing monitoring of credit exposure; resolution of credit issues and limit breaches, including the issuance of margin calls
• Administrative tasks within the portfolio, such as updating and maintaining hierarchies of group companies, approving payments, and ensuring proper credit documentation
• Acting on behalf of other loan officers in their absence
• Supporting relationship managers in all credit-related matters and establishing regular and proactive communication
• Contributing to credit-related projects and process improvements
• Collaborate with the Legal Department to support negotiations on standard commercial agreements (e.g., ISDA/CSA, GMSLA, GMRA)
• Support in calculating expected credit losses (ECL) for the treasury book

Requirements

The following requirements apply to this position:

• A university degree (in business administration or economics) or equivalent education or professional qualifications
• At least 5 years of experience in credit risk management at financial institutions or in corporate/investment banking
• Knowledge of derivative products; a background in fixed-income research would be a plus
• Proficiency in MS Office, PowerBI, and other analytical tools
• An independent, efficient, and meticulous approach to work

We offer

The position offers the following benefits:

• The opportunity to be part of a leading team