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Credit
Our credit jobs are all listed within this sector. Credit job titles are usually "credit risk managers," "credit analysts" or "credit officers," but some banks use a seniority level followed by credit - e.g., "vice president, credit." No matter the title, throughout the course of a credit career, these professionals review credit applications from the bank's clients (usually companies that wish to borrow money) or from other financial institutions who are the firm's counterparties.
Jobs listed here also include credit risk. This is the risk of loss of principal funds if a borrower defaults on loan repayment. Risk is incurred when a person or company plans to use future income to pay a current debt. Credit risk analysts and professionals aim to minimize risk by creating credit proposals and reviews, which supply businesses with impartial assessments on the financial situation of potential and current borrowers.
Credit analysts work with the lending team to make sure that credit proposals or extensions are approved or declined in compliance with the firm's own credit policies alongside local regulations. Most lenders use internal models, called credit scorecards, to judge potential and existing customers according to risk. Various different components such as operating experience, management expertise, asset quality and leverage and liquidity ratios are considered when composing these models.
The goal of a credit professional is to maintain high credit quality through the careful structuring, sanctioning, monitoring and control of credit applications in accordance with credit standards. Credit analysts are also required to keep track of clients whose credit portfolios require careful checking. That way, any deterioration in credit will be quickly detected and the overall risk lowered.
Credit professionals, particularly ones that stand higher within the business, must work closely with the business and understand their overall portfolio and risk capabilities. They should keep current on financial analysis and risk profiles of assigned sectors, borrowers and counterparties throughout credit careers. They must handle the difficulty of balancing the goals of sales staff to expand the business with their own responsibilities to lend carefully and make financially sound credit decisions.
Different types of transactions carry different credit risk issues, including within corporate banking, project finance, structured trade and syndications. Many other firms besides banks recruit credit professionals as well. For instance, private equity firms hire them to manage the credit risk of counterparties and investment-related service providers.
Credit jobs can be very specific. Some positions may work only on counterparty risk. These involve due diligence visits to financial institutions to gather credit information. They then analyze these financial records with excel spreadsheets, providing the bank with a current, realistic estimation of future operating performance.
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| Credit Product Controller's for Credit Team at a Top International bank | German Office / Bavaria | | Carlton RK excellent | Germany-Bavaria | 22 May 12 |
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My client is a Top International Bank who are currently searching for experienced product controllers within t...
| Senior Manager - Credit Risk | FK International Financial Search and Selection Highly Competitive | Germany-Nordrhein-Westfalen | 22 May 12 |
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This is an excellent opportunity for an experienced credit risk manager to join a leading multinational firm a...
| Research Assistant - Corporate Ratings (Auto / Cap Goods) - Frankfurt | TheMcGraw-HillCompanies not disclosed | Germany-Berlin / Brandenburg | 22 May 12 |
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See job description below
| Head of Credit Risk - Energy | FK International Financial Search and Selection NEG | Germany-Nordrhein-Westfalen | 22 May 12 |
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Working with a leading international energy firm, you will be responsible for managing a team of credit risk p...
| VP Corporate Credit Analyst, Frankfurt | Carr Lyons Search and Selection Excellent | Germany-Hessen | 21 May 12 |
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Our client, a leading global investment and corporate bank, is looking to hire a VP level Corporate Credit Ana...
| Top German Bank Seeks Recent Graduates and/or Junior Analysts - Berlin | Selby Jennings Around 35k € | Germany-Berlin / Brandenburg | 21 May 12 |
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This Top bank has a number of open support positions within their Credit Department. They are seeking eager an...
| Relationship Manager - Global Banking - Corporate Clients | Wells Fargo Competitive | Germany-Hessen | 18 May 12 |
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Wells Fargo is seeking an experienced corporate banking Relationship Manager to be part of our expanding Frank...
| Relationship Associate | Wells Fargo Excellent Package | Germany-Hessen | 18 May 12 |
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Wells Fargo & Company is a diversified financial services company providing banking, insurance, investments, m...
| Prozessmanager (m/w) Credit Risk Management „Pfandbrief" – in Teilzeit | Deutsche Bank AG verhandelbar | Germany-Hessen | 21 May 12 |
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Leistung aus Leidenschaft ist das, was uns antreibt. Viel mehr als nur ein Slogan, sondern die Art, wie wir ha...
| Consultant Kreditmanagement mit IT- Affinität (m/w) | Hays AG Deutschland Verhandelbar | Germany-Berlin / Brandenburg | 21 May 12 |
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Unser Kunde ist ein junges, aufstrebendes und wachsendes Unternehmen, das sich auf die Beratung von Banken spe...
| ( Senior ) Kreditanalyst - Public Sector (m/w) | Hays AG Deutschland Verhandelbar | Germany-Bavaria | 21 May 12 |
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Unser Kunde zählt zu den international führenden Spezialbanken in der Immobilien- und Investitionsfinanzierung...
| Analyst/Reporter (Credit & Rates) | Bloomberg NA | Germany-Hessen | 21 May 12 |
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| Kreditanalyst (w/m) | Robert Half Financial Services k.A. | Germany-Hessen | 18 May 12 |
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Für unseren Kunden, eine renommierte Bank im Raum Frankfurt, suchen wir zum nächstmöglichen Zeitpunkt mit Star...
| Senior Firmenkundenbetreuer für den Bereich Firmenkundenbetreuung | DZ BANK AG verhandelbar | Germany-Baden Württemberg | 16 May 12 |
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HIER SIND SIE AM ZUG. Die DZ BANK ist die viertgrößte Bank in Deutschland und Zentralbank für mehr als 900 Vol...
| Mitarbeiter Quantitative Analytics – Pricing-Library (m/w) | FMS Wertmanagement AöR verhandelbar | Germany-Bavaria | 15 May 12 |
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Die FMS Wertmanagement übernahm zum 01. Oktober 2010 von der Hypo Real Estate Holding AG und deren unmittelbar...
| Mitarbeiter Quantitative Analytics – Kreditrisikomodellierung (m/w) | FMS Wertmanagement AöR verhandelbar | Germany-Bavaria | 15 May 12 |
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Die FMS Wertmanagement übernahm zum 01. Oktober 2010 von der Hypo Real Estate Holding AG und deren unmittelbar...
| Kreditorenbuchhalter (in) | Gehrlicher Solar AG verhandelbar | Germany-Bavaria | 14 May 12 |
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Die Gehrlicher Solar AG mit Hauptsitz im Großraum München ist einer der führenden Systemintegratoren der Photo...
| Debitorenbuchhalter ( in ) | Gehrlicher Solar AG verhandelbar | Germany-Bavaria | 14 May 12 |
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Die Gehrlicher Solar AG mit Hauptsitz im Großraum München ist einer der führenden Systemintegratoren der Photo...
| Team Leader Credit (m/f) | TALENTspy GmbH Attractive | Germany-Bavaria | 09 May 12 |
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Our client is an international bank and its business was founded around 1790. It is an industry leader focused...
| Senior Business Consultant (m/w) im Bereich Kreditgeschäft | Firstwaters GmbH verhandelbar | Germany-Hessen | 09 May 12 |
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Erfolg kommt nicht von ungefähr. Er ist das Ergebnis eines starken Teams, in dem jeder einzelne zählt. Wir suc...
| Senior Credit Risk Analyst (m/f), Financial Institutions | Kimberlite Consulting GmbH 60 000 - 80 000 € | Germany-Bavaria | 26 Apr 12 |
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Für eine Bank aus München mit internationaler Holdingstruktur suche ich ab sofort einen Senior Credit Risk Ana...
| Teamleiter Kreditorenbuchhaltung (w/m) Europa - Standort: Putzbrunn bei München | W.L. Gore & Associates GmbH verhandelbar | Germany-Bavaria | 26 Apr 12 |
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Innerhalb unseres European Accounting Service Centre (EASC), mit Sitz in Putzbrunn bei München, werden Sie als...
| Kreditspezialist (m/w) | Deutsche Leasing Gruppe verhandelbar | Germany-Hessen | 23 Apr 12 |
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Herausforderungen mit neuen Ideen angehen, durch Verantwortung Perspektive gewinnen, als Teil eines erfolgreic...
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