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Manager (m/f/d) Credit Analysis (Corporate Clients)

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:

 

  • Credit support for car dealerships, medium to large car dealership groups and credit exposures also in the intensive and problem loan sector
  • Financing advice to borrowers for investment projects in the real estate and movables sector with negotiation of collateral
  • Preparation of the qualified credit vote and credit decision within the scope of the granted authority (€ 2 million) and preparation of decision-ready draft resolutions for higher-level decision-makers and committees, also in English
  • Drawing up loan and collateral agreements, arranging notarized deeds and carrying out loan disbursements in line with requirements, if necessary with building status checks
  • Ongoing creditworthiness monitoring on the basis of annual financial statements, income statements during the year, planning calculations, income and asset documents
  • Determination of forward-looking debt service capacity
  • Conducting analyses for early risk detection, recommending and initiating risk-reducing measures if necessary
  • Recommendation of rating upgrades/downgrades
  • Supporting problem loans (Ma Risk Definition) in restructuring processes (plausibility check of restructuring concepts to assess the ability to restructure, ongoing reporting on target/actual analyses)
  • Participation in intra-departmental or cross-departmental process changes or projects to continuously improve the quality and efficiency of processes

Your Profile:

 

  • Successfully completed training as a bank clerk (m/f/d) with further training as a banking specialist/business economist or a degree in business administration or a comparable qualification
  • Many years of professional experience in the commercial lending business, ideally also in the area of investment financing and in dealing with problem loans
  • Sound knowledge of analyzing economic documents and assessing credit risks in the commercial lending business with the necessary legal expertise
  • Sound judgment as well as good assertiveness and negotiating skills
  • A responsible way of working and strong analytical and conceptual skills
  • Confident handling of the MS Office package
  • Very good knowledge of German and good technical knowledge of 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.

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