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