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