Key Responsibilities: Evaluate new credit applications and monitor existing credit customers, conducting thorough risk analyses and adhering to ethical and compliance standards. Analyze financial data, including credit bureau reports, financial statements, and other internal and external information sources. Communicate with applicants to gather additional risk assessment information and ensure all necessary documentation is complete. Identify and implement opportunities to enhance underwriting processes and maintain a high-quality credit portfolio. Collaborate with internal credit teams and external collection agencies to manage repayment plans and address overdue accounts. Ideal Candidate: Experience: Minimum 3 years as a Credit Risk Analyst, underwriting for German businesses within the financial services sector. Product Knowledge: Comprehensive understanding of lending products, such as revolving credit, installment loans, and overdraft solutions. Analytical Skills: Strong credit risk judgment with the ability to confidently articulate and defend decisions. Communication: Excellent communication skills with a proactive and problem-solving mindset. Organization: Highly self-organized with strong planning capabilities. Language Proficiency: English and German, both spoken and written.