Apply now »

Credit Analyst (m/f/d)

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

At Toyota, we know that nothing is impossible. This is not only true for Toyota as a mobility brand, but also for us: Toyota Kreditbank GmbH (TKG). As the bank of one of the world's largest automobile manufacturers, we have been operating successfully in the German market for over 35 years - and are continuing to grow.

Toyota's mission for the future, "Mobility for All," is to give as many people as possible access to mobility. That is why our shareholder is expanding its existing business model to include relevant solutions that deliver added value to society. This idea is also reflected in our innovative financial products and customer-focused services, which regularly earn us the Best Autobank award. Together we can strive for innovation and redefine the boundaries of what is possible without losing sight of our roots.

Your Tasks:

 

  • Preparation of decision templates for a needs-based provision of credit to Toyota authorised dealers (wholesale) and major commercial customers (retail); credit approval within the scope of own competence 
  • Assessment of creditworthiness and debt service capacity on the basis of dealer/customer meetings, annual financial statements, BWA, business plans, income documents, bank statements, etc.
  • Ongoing credit monitoring of the assigned portfolio for early risk detection
  • Intensive monitoring of loan commitments with initiation of risk-reducing measures as required
  • Ensuring a smooth dunning and payment process as well as monitoring payment agreements
  • Preparation of recommendations for the creation or maintenance of existing risk provisions for the purpose of recognition in the context of tax audits
  • Cooperation with internal interface areas and with the manufacturer plus participation in events in the dealer organisation as required to deepen the business relationship (e.g. customer presentation of annual financial statements, dealer conferences)
  • Compliance with regulatory requirements (MaRisk, CRR, KWG, money laundering, data protection)

 

Your Profile:

 

  • Successfully completed apprenticeship as a bank clerk or a comparable apprenticeship 
  • At least 3 years of professional experience in the commercial lending business or in a similar sector
  • Strong analytical thinking as well as the ability to find goal-oriented solutions to complex problems
  • Negotiation talent together with a strong determination
  • Confident handling of the MS Office package
  • Fluency in both written and spoken German and English

What we offer:

Wir bieten Ihnen:

We offer you a progressive workplace with challenging, varied tasks in a dynamic environment and a pleasant working atmosphere. Flexible working hours and targeted training are part of the package as well as an attractive remuneration and a company pension. We also offer a vehicle leasing programme in which you and up to two relatives can participate. Through our cooperation partner Urban Sports Club you can take advantage of various fitness offers at reduced conditions. Two canteens are available for your subsidized lunch.

Apply now »