Expert (m/f/d) Credit Assessment Small Fleet
Your Tasks:
- Operational responsibility for incoming leasing applications and checking the creditworthiness of our commercial customers
- Reviewing the financing documents with subsequent approval and release of the leasing applications within the granted authority
- Recognizing credit risks on the basis of evaluations of BWAs, balance sheets and specific scoring procedures
- Clarification of issues with customers and sales partners regarding the processing and decision status of credit/leasing applications
- Decision and preparation of conditions (including guarantees and sureties)
- Requesting, evaluating and analyzing financial documents for credit checks
- Checking for suspected cases of compliance and money laundering
- Active collaboration and operational support for the Customer Service team (billing, document and contract review)
- Participation in the further development of the risk management system
- Active communication with the dealer network and customer base
Your profile:
- Commercial training, preferably in the financial services sector, with a high affinity for figures or professional experience in the commercial lending business
- Knowledge of HGB, BGB, GWG is an advantage, as is knowledge of rating procedures and legal principles for financial institutions (Bafin)
- Initial knowledge of the documentation requirements of financial institutions
- Experience in evaluating and analyzing annual financial statements and financial ratios
- Affinity for numbers, mathematical understanding and a high degree of decision-making competence in terms of creditworthiness
- Structured way of working, flexibility and analytical understanding
- Very good communication skills and ability to express yourself both verbally and in writing
- Fluency in German and English