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

Credit Assessment Large 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:

  • You are responsible for the risk-oriented credit assessment and decision of incoming credit and leasing requests from our commercial customers
  • You check the creditworthiness of our customers and interested parties in compliance with internal requirements and the Money Laundering Act as well as other banking regulations
  • You identify credit risks on the basis of balance sheet analysis and specific rating procedures
  • You evaluate the relevant financial documents (annual financial statements, etc.) and decide whether to accept or reject a customer on this basis and other specified criteria
  • You clarify individual issues with customers and sales partners regarding the processing and decision status of loan/leasing requests
  • If necessary, you make a decision regarding collateral such as guarantees, sureties and down payments
  • You investigate suspected cases of fraud and money laundering
  • You also check the extension of current commitments, taking into account further credit reports
  • You support the further development of the relevant internal guidelines and the risk management system
  • You will work closely with the Sales, Operations and Risk Management departments and actively contribute to the establishment and further development of these departments

Your profile:

  • Successfully completed studies in economics, alternatively commercial training with additional specialist training, e.g. leasing or banking specialist
  • Professional experience in the credit decision process for corporate customers of a bank or leasing company or in a comparable function
  • Knowledge of HGB, BGB and KWG is an advantage, as is knowledge of rating procedures and legal principles for financial institutions
  • Affinity for numbers, mathematical understanding and a high degree of decision-making competence in terms of creditworthiness
  • Knowledge of the documentation requirements of financial institutions
  • Experience in evaluating and analyzing financial statements and financial ratios
  • Structured way of working, flexibility, high resilience and analytical understanding
  • Strong understanding of strategic and complex interrelationships
  • Fluency in 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.

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