Job Purpose :
We take care of all the Group's Credit Risks, from new grants to ongoing monitoring and, if necessary, intensive treatment. We align our work with the requirements of the risk function "Shape, Serve & Secure".
Shape :
We give shape to the bank, for example by influencing the selection of products from a risk point of view. We actively manage portfolios and streamline our processes.
Serve :
We are service providers. Our willingness to provide services is determined by the quality of our work, the associated costs and the speed with which we carry out our tasks.
Secure :
We want to protect the bank's equity and secure assets.
Key Activities :
- You are responsible for a credit portfolio of predominantly German corporates ranging from mid-sized to multi-national companies from all sectors of the economy.
And / or
Within the scope of your competence, you are responsible for a credit portfolio of either international banks and the public sector or international non-bank financial institutions with varying levels of risk, difficulty and / or complexity. The focus is a) on financial institutions / banks and the public sector, or b) on non-bank financial institutions (NBFI) including insurance companies, brokers / dealers, stock exchanges, clearing houses and investment companies or regulated funds (pension funds), hedge funds, leasing companies, factoring companies and private equity managers.Independent analysis of individual financial and economic conditions of borrowers (annual financial statements, interim figures, business model, market and competition, forward-looking analysis, preparation of forecasts, sensitivity analysis, analysis of debt service capacity)Spreading / validation of spreading of the annual financial statements via internal Commerzbank tools; approving the spreading before using it in the rating process.Qualitative and quantitative risk analysis of a counterparty within the rating process.Rating finalization by setting PD rating.If appropriate credit decision and approval within the framework of required process.Preparation of different sector analysis, e.g. assessment of banking system of a country regarding stability, risks, quality of supervision.Formal Education :
University degree in business economics, finance, accounting or related discipline (at least Bachelor)Specialization in Finance / Accounting SpecialistSpecialist Knowledge :
First) experience in the credit risk analysis of Corporate Clients and / or Institutional ClientsKnowledge of global accounting standards and accounting principles.Understanding of complex risk issues, analytical skills, readiness of mind, decision-making power, resilience, and sense of responsibility.Knowledge of financial markets, regulatory requirements and economic relationshipsMethodically structured working methods; organizing your own work independentlyUnderstanding of digitization.Enjoy working in a team with different cultures.Good command of written and spoken English - additional language skills would be desirable, e.g. German, French, Spanish, Mandarin.Good skills in usage of MS Office applications (Excel, Word) as well as experience in handling data and IT tools.