Siemens Financial Services work with the growth fields of electrification, automation and digitalization, supports its customer investments with leasing solutions for equipment, project and structured financing, and corporate lending solutions. They provide capital for Siemens customers as well as external businesses. Their financial and industry know-how creates customer value and enhances customer competitiveness while building trust in new technologies and facilitating their market launch.
This business is looking for a Senior Credit Analyst to join their team with a strong background in finance, accounting and similar areas. Your role will be to acquaint credit analysts with ratio analysis, financial statement analysis, risk assessment, and economics.
**What will be your role?**
- Conduct through analysis of financial statements and assessment of credit requests, including new requests, changed requests, refinancing and annual due diligence.
- Provide recommendations tied to analysis and assessment of credit risk. Deal structuring.
- Present analysis, findings, and recommendations to managers, especially findings that involve a borrower’s ability to repay.
- Keep up to date with the company’s lending policies and procedures.
- Reconcile credit files and identify discrepancies and variances.
- Review and monitoring of scoring models in conjunction with scoring team at headquarters.
- Make recommendations on scoring performance and critical changes to improve efficiency or mitigate existing risks.
- Analysis and portfolio analytics.
- IFRS 9 good understanding and experience.
- Good understanding of EAD, PD and LGD
- Developing models, both mathematical and statistical ones that directly relate to the risk being measured.
- In control framework development, having the capacity to set up data quality controls and develop data quality checks in a credit and collections environment.
- Non-performing transactions analytics, management and control.
- Recording anticipated economic environment changes
**Your experience and skills**:
- Bachelor’s degree with a background in finance, accounting or other related fields. Preferable Master of Business Administration (MBA) degree or practical designations such as the Financial Modeling and Valuation Analyst (FMVCFI Financial Modeling Certification), which covers topics that are relevant to credit analysis such as the interest coverage ratio and the creation and analysis of a debt schedule.
- Solid financial background relating credit analysis with ratio analysis, financial statement analysis, risk assessment, and economics. Naturally, a working knowledge of accounting principles and financial techniques also comes in handy.
- Two to five years of strong quantitative experience
- Ability to effectively manage competing deadlines for projects in a high-pressure work environment, with varying degrees of supervision
- Strong attention to detail and ability to notice discrepancies in data
- Strong proficiency in MS Office and general IT tools.
- Fluent English is a must / written and spoken
**Organization**: Siemens Financial Services
**Company**: Siemens Renting S.A.
**Experience Level**: Experienced Professional
**Job Type**: Full-time