Apply now »

Credit Assessment Analyst (m/f/d)

Credit Assessment Small Fleet

Köln, DE

Are you looking for a new challenge? Would you like to take on responsibility and develop yourself further? Then join us and shape the change!

KINTO Germany GmbH, as a new company of the Toyota Group, brings together innovative and modern mobility solutions. As a mobility company, KINTO offers various mobility services and products, ranging from commercial leasing to flexible car subscriptions. In Germany, KINTO started with the products KINTO One and KINTO Flex. KINTO One stands for customized solutions in the segment of full-service commercial leasing of vehicles, and KINTO Flex is a flexible car subscription with short terms. In addition, KINTO offers a smart commuter solution for sustainable mobility.

KINTO as a brand can be found not only in Germany, but also in other European countries including England, France, Italy, Spain and Portugal.

Your Tasks:

 

  • Operational responsibility for incoming loan applications
  • Review of financing documents, followed by approval, authorisation and comments
  • Identification of credit risks based on specific creditworthiness checks, analysis of balance sheets and financial reports, and requests for further financing documents
  • Clarification of issues relating to the processing and decision-making status of loan/leasing enquiries
  • Decision-making and preparation of security arrangements
  • Review of information from the transparency register and investigation of suspected cases of fraud, compliance breaches and money laundering

 

 

Your profile:

 

  • Commercial training, preferably with additional specialist qualifications such as a qualification in leasing or banking
  • At least 2–3 years’ professional experience in the credit decision-making process for corporate clients at a bank or leasing company, or in a comparable role
  • An aptitude for numbers, a strong grasp of mathematics and a high degree of decision-making authority
  • Experience in evaluating and analysing annual accounts and financial ratios
  • Very good technical understanding of system applications, as well as experience in process improvement and automation
  • Knowledge of the German Commercial Code (HGB), the German Civil Code (BGB) and the German Banking Act (KWG) is desirable; likewise regarding rating procedures and the legal framework for financial institutions
  • Very good command of German and good command of English

 

What we offer:

Wir bieten Ihnen:

We offer you a start-up mentality paired with work in a subsidiary of a global corporation - immerse yourself in the Toyota Way and the exciting corporate philosophy behind it. Characterized by high ethical and human values and a respectful working atmosphere with close communication and constructive feedback, you will work via short decision-making paths with a great deal of creative freedom. Internal and external workshops and trainings are offered for your individual development. The Europe-wide cooperation within a global group offers versatile tasks in a dynamic environment.

Flexible working hours are a matter of course for us. In addition to an attractive salary, you will also receive a company pension. We also offer a vehicle loan program and you can choose from two canteens for your lunch, which we subsidize.

Apply now »