388 Jobs für Volkswagen Financial Services in Deutschland

Cognitive Credit is expanding our financial analyst team to support a Global Credit product.

We are looking for auditors with Big 4 accounting experience to work hand-in-hand with our technology team and senior management to build and maintain our data sets.

We are a financial technology company that develops advanced analytics software for global credit investors. We work with the world’s largest investment banks, asset managers, and hedge funds.

The analyst utilizes our proprietary machine learning technology to build and maintain our data set – financial models across US and European credit markets.

An ideal candidate for this position will have an accounting or corporate finance education, with professional training in corporate accounting/audit, financial analysis and/or credit markets.

This job is for you if:

• you are a skilled accountant from a Big 4 accounting firm
• you believe that there ‘must be a better way’ with respect to automating the repetitive tasks in your current job
• you are highly analytical, detail-oriented, motivated by data integrity challenges, and can work independently
• you are interested in working in an environment with fast growth potential that prioritizes innovation
• you take ownership to drive solutions and are a self-starter
• you understand lease accounting in both Europe and the US

Required Education/Experience/Skills:

• Strong academic track record, with a background in accounting and/or finance
• Accounting and/or finance qualifications such as ACA preferred from a Big 4 accounting firm
• Financial statement audit/analysis capabilities; familiarity with creating financial models/reports from scratch
• IFRS experience is essential; US GAAP experience is useful
• Ability to demonstrate superior work performance, attention to detail, and a commitment to outstanding results
• Good Excel knowledge plus experience with data management

Typical Day:

• Growing our data by processing financial reports using the Company’s proprietary data extraction system, assembled using cutting-edge machine learning technology
• Analysing resulting output for accuracy and completeness using internally developed audit tools and techniques
• Monitoring / “owning” your coverage universe to support live data updates during corporate earnings season
• Interacting with our clients, the world’s leading investment firms, to answer questions about data and product functionality; supporting sales and account management teams
• Collaborating with the engineering team to review system performance and identifying opportunities for improvement, including both internal analyst tools and our client-facing Application

Compensation:

Competitive pay and benefits, subject to individual experience.

Work Environment:

Dynamic, innovative, analytical, and collaborative.

Location:

The position can offer a high degree of remote working flexibility.

We are an equal opportunity employer and value diversity. We do not discriminate on the basis of race, religion, colour, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.

Cognitive Credit is the fastest growing specialist credit data provider across the US, UK & Europe . We are a financial technology company that works with the world’s largest investment banks, asset managers, and hedge funds.

We are looking for an experienced Financial Credit Analyst hire based in the United States to help build our US credit data set. The position will report to the Head of US Data located in New York, NY.

We seek passionate, innovation-minded finance professionals who want to expand their career in a high-growth setting and gain exposure to the fintech industry.

This job is for you if:

• you have an accounting background and/or are a skilled accountant from a Big 4 accounting firm/ financial data analyst looking to develop new skills, both financial and technological, while expanding your professional horizons
• you are highly analytical, detail-oriented, motivated by data integrity challenges, and can work independently
• you believe that there ‘must be a better way’ with respect to automating the repetitive tasks in your current job
• you are interested in working in an environment with fast growth potential that prioritizes innovation
• you take ownership to drive solutions and are a self-starter

Required Education/Experience/Skills:

• Accounting and/or finance qualifications such as CPA or CFA preferred from a Big 4 accounting firm
• Financial statement audit/analysis capabilities; familiarity with creating financial models/reports from scratch
• Strong academic track record, with a background in accounting and/or finance
• US GAAP experience is essential; IFRS experience is useful
• Ability to demonstrate superior work performance, attention to detail, and a commitment to outstanding results
• Good Excel knowledge plus experience with data management
• Passion for technology and learning new tools
• Fluent in English and eligible to work in the US

Typical Day:

• Growing our data by processing financial reports using the Company’s proprietary data extraction system, assembled using cutting-edge machine learning technology
• Analyzing resulting output for accuracy and completeness using internally developed audit tools and techniques
• Monitoring / “owning” your coverage universe to support live data updates during corporate earnings season
• Interacting with our clients, the world’s leading investment firms, to answer questions about data and product functionality; supporting sales and account management teams
• Discussing product priorities and strategic objectives with a management team that has many decades of buy-side and sell-side experience working in intuitional credit markets
• Collaborating with the engineering team to review system performance and identifying opportunities for improvement, including both internal analyst tools and our client-facing application

Compensation:

Competitive pay, subject to individual experience. 20 days PTO. Healthcare and 401k.

Work Environment:

Dynamic, innovative, analytical, and collaborative.

Location:

The position can offer a high degree of remote working flexibility. The parent company is based in London, UK.

We are an equal opportunity employer and value diversity. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.

Über uns

Kleine und mittlere Unternehmen sind das Rückgrat der deutschen Wirtschaft. Doch oft fehlen ihnen die finanziellen Mittel, um ihren Cashflow zu sichern oder Wachstumschancen zu nutzen. Genau hier kommt iwoca ins Spiel: Mit unseren schnellen und flexiblen Finanzierungslösungen helfen wir Unternehmen, ihre Pläne zu verwirklichen. Seit unserer Gründung im Jahr 2012 haben wir bereits über 100.000 Unternehmen mit Milliardenbeträgen unterstützt und uns als eines der führenden Fintech-Unternehmen in Europa etabliert.

Unsere Mission? Eine Million kleine und mittlere Unternehmen finanzieren. Unser Angebot ist speziell auf ihre Bedürfnisse zugeschnitten: schnell, einfach und flexibel. Mithilfe modernster Technologie, smarter Datenanalyse und unserem 5-Sterne-Kundenservice machen wir Kredite relevanter und zugänglicher als je zuvor. Auf dem deutschen Markt sind wir der führende digitale Kreditgeber und ein wichtiger Partner für Unternehmen, die Online-Kredite suchen.

Um unsere Mission weiter voranzutreiben, wächst unser Team stetig. Deshalb suchen wir eine*n erfahrene*n Kreditanalyst*in, der*die unser Team verstärkt und gemeinsam mit uns die Finanzierung von KMU revolutioniert.

Tasks

Deine Aufgaben

Unsere Kreditanalysten sind für jede unserer Kreditentscheidungen verantwortlich. Ihre Hauptziele sind der Durchsatz, d.h. die rechtzeitige Bearbeitung aller Anträge, und die genaue Bewertung des Kreditrisikos für jeden Antrag.
Ein typischer Tag für dich kann so aussehen:

• Analyse von Kreditdaten, Jahresabschlüssen und anderen Datenquellen, um das mit der Kreditvergabe verbundene Risiko zu ermitteln
• Du führst eine gründliche Risiko-Prüfung unserer Kunden durch, um die Bewertung des Kredits in Übereinstimmung mit den internen Richtlinien sicherzustellen
• Erfassen und analysieren der spezifischen Umsatz- und Risikotreiber für KMU
• Dein Underwriting an eine Vielzahl unterschiedlicher Unternehmen anpassen, von lokalen Bäckereien bis hin zu hochspezialisierten Herstellern
• Die Verantwortung für eigenständige Kreditentscheidungen tragen
• Du bist aktiv an der Verbesserung unserer Kompetenz-Matrix durch die Weiterentwicklung unserer Systeme und Prozesse beteiligt
• Du arbeitest eng mit den Technik- und Analyse-Teams zusammen, um die Systeme und unsere Scorecard zu verbessern, damit wir bessere, schnellere und fairere Entscheidungen treffen können
• Du kommunizierst effektiv mit unserem Account Management Team, um sicherzustellen, dass die Bedürfnisse unserer Kunden jederzeit erfüllt werden

Requirements

Das Wichtigste zu Dir:

Wir suchen Menschen, die smart, bodenständig und motiviert sind und sich ständig weiterentwickeln wollen. Um in dieser Rolle erfolgreich zu sein, trifft im Idealfall Folgendes auf Dich zu:

• Ein gutes Verständnis für die Funktionsweise von Unternehmen, einschließlich ihrer wichtigsten Risiko- und Ertragsfaktoren
• Die Fähigkeit, Jahresabschlüsse zu interpretieren, um die Unternehmensleistung zu bewerten
• Eine analytische Denkweise mit einem praktischen Ansatz zur Problemlösung
• Ausgezeichnete Kommunikationsfähigkeiten. Du wirst in direktem Kontakt mit Antragstellern per Telefon und E-Mail stehen, um deren Geschäft besser zu verstehen
• Eine zuversichtliche und enthusiastische Einstellung, um Dich in einem sich ständig ändernden und schnelllebigen Umfeld zurecht zu finden
• Eine große Portion gesunden Menschenverstand
• Du sprichst fließend Deutsch und beherrschst Englisch in Wort und Schrift - (d.h. du bist mit Deutsch aufgewachsen oder hast es auf dem Niveau des GER C2 oder ähnlich gelernt)

Du interessierst Dich für die Stelle, aber denkst, Du erfüllst noch nicht alle Anforderungen? Kein Problem. Wir glauben fest an persönliche Weiterentwicklung. Wenn Dich die Stelle anspricht, würden wir uns freuen, von Dir zu hören, auch wenn Du noch nicht alle Punkte auf der Liste erfüllst.

Benefits

Deine Benefits

Wir legen Wert auf faire Bezahlung für alle unsere Mitarbeitenden. Deshalb führen wir regelmäßig Gehaltsvergleiche durch, um sicherzustellen, dass sie marktgerecht sind und deinen wachsenden Beitrag zu unserem Erfolg widerspiegeln.

Mehr als nur ein Job – das erwartet dich:

• Ein spannendes, facettenreiches und forderndes Arbeitsumfeld.
• Flache Hierarchien, enge Abstimmung mit unserer Geschäftsleitung und viele Gestaltungs- und Aufstiegsmöglichkeiten.
• Ein kluges, lustiges und international vielfältiges Team - gemeinsam vertreten wir über 35 verschiedene Nationalitäten.
• Unternehmensweite Trainings mit internen und externen Referenten.
• Tolle Büros in den Herzen von London, Berlin und Frankfurt
• 26 Urlaubstage pro Jahr, plus gesetzliche Feiertage und einen extra Urlaubstag an Deinem Geburtstag.
• “Summer Houses” im Süden Europas und “Winter Houses” in den Alpen, wo wir jeweils eine Woche mit unseren engeren Teams verbringen.
• Gut gefüllte Kühlschränke für Frühstück, Lunch oder den kleinen Snack zwischendurch (sowohl gesunde als auch weniger gesunde).
• Jeder iwocan wird im Rahmen eines Mitarbeiterbeteiligungsprogrammes am Erfolg von iwoca beteiligt
• Ein 1-monatiges, bezahltes Sabbatical nach 4 Jahren bei iwoca.
• Nach 7 Jahren Betriebszugehörigkeit feiern wir dein iwocasaur-Jubiläum und Du erhältst 5 zusätzliche Urlaubstage zu deinem Urlaubskontingent
• Direkter Zugang zur Unterstützung von zertifizierten Psycholog*innen mit unserem Partner OpenUp.
• Zeit für Freiwilligenarbeit zur Unterstützung einer wohltätigen Organisation.
• Unbegrenzter (unbezahlter) Urlaub zum Reisen oder Studieren.
• Angebote zum Lernen und Weiterentwickeln, inklusive eines Budgets für Bücher.
• Zuschuss zum Deutschlandticket.
• Beitrag zur Mitgliedschaft im Fitnessstudio.

The company

Imagine a world where every small business has the power to thrive. That's the world we're building at iwoca. Small businesses aren't just statistics – they're the heartbeat of our communities, the character of our high streets, and the engine of our economy. Since 2012, we've revolutionised how these businesses access finance, turning what was once a lengthy, frustrating process into something remarkable: funding that's fast, flexible, and actually works for modern businesses.

Our impact speaks for itself: we've provided billions in funding to over 150,000 businesses across Europe, making us one of the continent's leading fintech innovators. But we're just getting started. Our mission? To empower one million businesses with the financial tools they deserve.

We combine cutting-edge technology and data science with genuine human understanding to make finance feel less like a barrier and more like a superpower. Whether it's managing cash flow or seizing unexpected opportunities, we ensure businesses get the funds they need – often within minutes.

Your Mission

• To assess credit applications - you’ll use your experience, a variety of data sources and our tech platform to make fast, fair and accurate decisions.
• You’ll have autonomy in decisioning, the scope of which will increase over time as you build knowledge of our systems and processes.
• You will support other analysts on larger and more complex decisions, which is a key part of our workflow.
• Our credit decisioning is data driven. You’ll work alongside our analytics teams to optimise our approach to lending and adapt your own approach in line with that goal.

Tasks

We’re looking for a Credit Analyst - German Speaking

We’re growing fast, and more customers means more credit decisions. Our credit team is expanding and we’re looking for experienced analysts to assess our customers in a fast, fair and accurate way.

Requirements

Requirements

We look for people who are smart, humble, motivated and who are always looking to improve.

You will have:

• Experience in commercial loan underwriting, credit sanctioning or credit analysis within the SME sector in Germany
• Strong business acumen and a working understanding of the risk and revenue drivers that influence the creditworthiness of a loan application
• Strong German language skills, ideally at native level
• The ability to interpret & analyse financial statements
• A motivated and enthusiastic attitude that works well in a regularly changing and fast paced environment
• Excellent communication skills. You will have direct telephone contact with our customers, daily interaction within credit whilst decisioning and regular contact with other teams on cross functional initiatives
• An analytical mindset with a practical approach to problem solving. You come up with innovative and scalable solutions to day-to-day problems and suggest changes to processes to improve efficiency

Don’t take this list as prescriptive: it’s just to give you a sense of who might do well at the job. We’d still love to hear from you if you don’t hit every point on the list, or if you have other experience.

Work-life balance is incredibly important at iwoca and we offer flexible working so you can make better use of your free time. This is a hybrid role in which you can split your time between the office and home.

We want to make iwoca a place where everyone feels welcome, where you can confidently be yourself. We understand that inclusivity, and diversity that comes through greater inclusivity, isn't an optional add-on; it's the core ingredient of what makes us great. We care about making iwoca a healthy and happy community for all of our team members to thrive in.

Benefits

The benefits

• A smart, motivated and international team (we represent over 35 different nationalities) with ridiculous growth-mindset.
• 26 days of vacation a year plus a free day for your birthday.
• One-month fully paid sabbatical after 4 years.
• Mental health support with direct access to certified psychologists via our partner OpenUp.
• iwoca takes over a ski chalet in winter so that you and your team can ski or snowboard (and work) for a week. During summer we are drawn to the sun. We’ve been to France, Italy, Spain, and further afield.
• Access to the gym membership program, €25 for either Fit711 or Urban Sports Club.
• €25 contribution towards the Deutschlandticket.
• Company Pension with Canada Life.
• Great office locations. In Frankfurt in the beautiful Ostend, our Berlin office is located centrally at Hackescher Markt.
• A paid volunteer day that gives you the opportunity to invest time to support a charity of your choice.
• Corporate Benefits discounts.
• ’iwocans’ also benefit from fully stocked fridges in our offices with whatever is needed to strengthen them. There are snacks (both healthy and less healthy) for the whole day.

And to make sure we all keep learning, we offer:

• A learning and development budget for everyone, including a book budget.
• Learning German budget.
• Company-wide talks with internal and external speakers.
• Access to learning platforms like Treehouse.

The culture

At iwoca, we prioritise a culture of learning, growth, and support, and invest in the professional development of our team members. We value diversity in thought and skill, and encourage you to explore new areas of interest to help us improve our products and services.

The offices

We put a lot of effort into making iwoca a brilliant place to work:

• Offices in London, Leeds, Berlin, and Frankfurt with plenty of drinks and snacks
• Events and clubs, like bingo, comedy nights, yoga classes, football, etc.

**Job Family:** Chief Financial Officer
**Req ID:**
**Financing the future.**
As Senior Credit Analyst (f/m/d) in the Risk Rating department EMEA/Asia Australia you prepare credit analysis and assign risk ratings for project finance transactions and corporate obligors of SFS' project and structured business in Europe, Middle East, Asia, and Australia and engage in the further development of rating methods, credit data banks and the digitalization of rating processes.
**As part of our team, you will have:**
+ An attractive remuneration package
+ Appealing Siemens pension benefits
+ Access to employee share plans
+ 30 days of paid vacation and a variety of flexible work schedules that allow time off for you and your family
+ 2 to 3 days of mobile working per week as a global standard
Since each of over 300,000 employees feels that other benefits are particularly important, and we cannot list our entire benefit portfolio here, you can find more information here . The individual benefits are subject to regulatory, contractual, or corporate conditions.
**This will be your impact:**
+ In this role you independently evaluate the creditworthiness of projects and corporate obligors in a broad range of industries with a focus in the energy and infrastructure sectors
+ You analyze borrower's financial models, financial statements as well as cash flow projections and prepare and sensitize cash flow models
+ You collaborate efficiently as member of a deal team incorporating Rating, Risk Management and Origination
+ You assign an obligor rating within the given Rating Authority
+ Additionally, you continually monitor the creditworthiness of portfolio counterparties and initiate rating actions as deemed necessary
+ The analysis is presented to the next higher rating authority holder, the Rating Committee, and the Siemens Bank Credit Committee
+ You ensure constant knowledge exchange with Risk Rating Americas as well as Risk Management in the Business Units
+ You support in the training and coaching of less experienced rating analysts and/or colleagues in other SFS Functions or Business Units
+ You participate in refining existing rating methodologies and in developing new rating methodologies
+ Furthermore, you explore and proactively drive opportunities within Risk Rating to digitalize parts of the analytical process and to use artificial intelligence solutions
**This is how you'll win us over:**
+ **Education:** University degree or equivalent experience in economics/business administration or a comparable field of studies; alternatively, you have completed an apprenticeship in combination with long-time work experience
+ **Experience & Skills:**
+ At least 5 years of professional experience in analyzing and evaluating corporate borrowers at a bank or other financial institution, ideally also first experience in structured finance transactions such as project finance
+ Professional knowledge in corporate finance and macro economics
+ Sound experience in working with financial models as well as professional analytical capabilities (financial statement analysis)
+ We are looking for a new team member with strong affinity for digitalization and artificial intelligence topics and a spirit to promote related projects; proven experience in these areas is welcome
+ You know how to convey analytical conclusions in a well-structured manner in a rating report and possess a confident appearance presenting rating analysis to Authority Holders
+ **Ways of working:** strong standout colleague; ability to work under time pressure while maintaining a positive focus; supportive and solution-focused approach
+ **Languages:** Proficiency in German and English, knowledge of other languages (e.g., Spanish, French, Italian) is welcome
You are much more than your qualifications, and we believe in the potential of every single candidate. We look forward to getting to know you!
Your individual personality and perspective are important to us. We create a working environment that reflects the diversity of the society and support you in your personal and professional development. Let's get to know your authentic personality and create a better future together with us.
As an equal-opportunity employer we are happy to consider applications from individuals with disabilities .
Protecting the environment, conserving our natural resources, fostering the health and performance of our people as well as safeguarding their working conditions are core to our social and business commitment at Siemens.
**About us.**
We at Siemens Financial Services provide business-to-business financial solutions. Our unique combination of financial expertise, risk competence and industry know-how enable us to create tailored innovative financial solutions. Follow this link to discover our world: global, diverse team is ready to support, challenge, and inspire you, helping you grow in countless ways. Together, we'll embark on an exciting journey of discovery. Who knows where this path will lead? Join us and take an active role in shaping your future!
- if you would like to find out more about jobs & careers at Siemens.
FAQ - if you need further information on the application process.

**Job Family:** Chief Financial Officer
**Req ID:**
**Financing the future.**
As Senior Credit Analyst (f/m/d) in the Risk Rating department EMEA/Asia Australia you prepare credit analysis and assign risk ratings for project finance transactions and corporate obligors of SFS' project and structured business in Europe, Middle East, Asia, and Australia and engage in the further development of rating methods, credit data banks and the digitalization of rating processes.
**As part of our team, you will have:**
+ An attractive remuneration package
+ Appealing Siemens pension benefits
+ Access to employee share plans
+ 30 days of paid vacation and a variety of flexible work schedules that allow time off for you and your family
+ 2 to 3 days of mobile working per week as a global standard
Since each of over 300,000 employees feels that other benefits are particularly important, and we cannot list our entire benefit portfolio here, you can find more information here . The individual benefits are subject to regulatory, contractual, or corporate conditions.
**This will be your impact:**
+ In this role you independently evaluate the creditworthiness of projects and corporate obligors in a broad range of industries with a focus in the energy and infrastructure sectors
+ You analyze borrower's financial models, financial statements as well as cash flow projections and prepare and sensitize cash flow models
+ You collaborate efficiently as member of a deal team incorporating Rating, Risk Management and Origination
+ You assign an obligor rating within the given Rating Authority
+ Additionally, you continually monitor the creditworthiness of portfolio counterparties and initiate rating actions as deemed necessary
+ The analysis is presented to the next higher rating authority holder, the Rating Committee, and the Siemens Bank Credit Committee
+ You ensure constant knowledge exchange with Risk Rating Americas as well as Risk Management in the Business Units
+ You support in the training and coaching of less experienced rating analysts and/or colleagues in other SFS Functions or Business Units
+ You participate in refining existing rating methodologies and in developing new rating methodologies
+ Furthermore, you explore and proactively drive opportunities within Risk Rating to digitalize parts of the analytical process and to use artificial intelligence solutions
**This is how you'll win us over:**
+ **Education:**
+ Degree or equivalent experience in economics/business administration or a comparable field of studies
+ Alternatively, you have completed an apprenticeship in combination with long-time work experience
+ **Experience & Skills:**
+ At least 5 years of professional experience in analyzing and evaluating project finance transactions at a bank or another financial institution
+ Alternatively, you have completed an apprenticeship in combination with long-time work experience
+ Professional knowledge in corporate finance and macro economics
+ We are looking for a new team member with strong affinity for digitalization and artificial intelligence topics and a spirit to promote related projects; proven experience in these areas is welcome
+ Sound experience in working with financial models as well as professional analytical capabilities (financial statement analysis)
+ You know how to convey analytical conclusions in a well-structured manner in a rating report and possess a confident appearance presenting rating analysis to Authority Holders
+ **Ways of working:** strong standout colleague; ability to work under time pressure while maintaining a positive focus; supportive and solution-focused approach
+ **Languages:** Proficiency in German and English, knowledge of other languages (e.g., Spanish, French, Italian) is welcome
You are much more than your qualifications, and we believe in the potential of every single candidate. We look forward to getting to know you!
Your individual personality and perspective are important to us. We create a working environment that reflects the diversity of the society and support you in your personal and professional development. Let's get to know your authentic personality and create a better future together with us.
As an equal-opportunity employer we are happy to consider applications from individuals with disabilities .
Protecting the environment, conserving our natural resources, fostering the health and performance of our people as well as safeguarding their working conditions are core to our social and business commitment at Siemens.
**About us.**
We at Siemens Financial Services provide business-to-business financial solutions. Our unique combination of financial expertise, risk competence and industry know-how enable us to create tailored innovative financial solutions. Follow this link to discover our world: global, diverse team is ready to support, challenge, and inspire you, helping you grow in countless ways. Together, we'll embark on an exciting journey of discovery. Who knows where this path will lead? Join us and take an active role in shaping your future!
- if you would like to find out more about jobs & careers at Siemens.
FAQ - if you need further information on the application process.

Credit Risk Analyst/Associate - Corporates Credit, GCIB Credit
Frankfurt, Germany
**To proceed with your application, you must be at least 18 years of age.**
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Acknowledge ( Description:**
**Job Title:** Credit Risk Analyst/Associate - Corporates Credit
**Corporate Title:** Analyst or Associate
**Location:** Frankfurt
**Company Overview**
At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. Responsible Growth is how we run our company and how we deliver for our clients, teammates, communities and shareholders every day.
One of the keys to driving Responsible Growth is being a great place to work for our teammates around the world. We're devoted to being a diverse and inclusive workplace for everyone. We hire individuals with a broad range of backgrounds and experiences and invest heavily in our teammates and their families by offering competitive benefits to support their physical, emotional, and financial well-being.
Bank of America believes both in the importance of working together and offering flexibility to our employees. We use a multi-faceted approach for flexibility, depending on the various roles in our organization.
Working at Bank of America will give you a great career with opportunities to learn, grow and make an impact, along with the power to make a difference. Join us!
**Role Description**
An exciting opportunity to join our Corporates Credit team a part of Global Corporate and Investment Banking (GCIB) Credit, managing and delivering credit relationships for corporate clients in accordance with the company's growth strategy, risk appetite and underwriting standards. We are an independent function that works closely with various lines of business, relationship managers, product specialists and Risk.
GCIB Credit is responsible for analysing and delivering credit underwriting debt financing solutions and derivative strategies for medium and large corporate clients of GCIB & Global Markets (GM). GCIB includes Corporate Banking and Investment Banking and GM includes Sales & Trading. The group provides services to middle-market and large corporations, government entities and institutional investors. Services including mergers and acquisition advice, equity and debt capital raising, corporate lending, sales and trading in fixed income, commodities, currency and equities, risk management, research, and liquidity and payments management.
GCIB Credit partners with teams across GCIB & GM including Trade Service Partners and Global Treasury Management to drive business growth and results while maintaining appropriate risk discipline specific to the corporate credit portfolio. Integral to GCIB Credit's mission is its partnership with other branches of GCIB, GM and Risk Management organisation in order to effectively manage and monitor the credit risks related to the corporate portfolio.
**Responsibilities**
+ Perform financial and credit analysis, risk rating analysis ensuring adherence to prevailing credit policy and procedures for an assigned portfolio.
+ Independently assess credit worthiness, perform intensive qualitative and quantitative due diligence of prospective borrowers and/or trading counterparties and establish appropriate terms and conditions to mitigate risk.
+ Structuring transactions, underwriting and negotiating credit documentation designed to meet both client and investor needs including credit agreements, amendments, derivative documentation.
+ Ensuring granularity of the portfolio with specific reference to targets for net country/credit capital, legally binding commitments, total exposure and asset quality.
+ Establish appropriate internal risk ratings for clients and implement accurate adjustments throughout the client's credit life cycle.
+ Ensuring that the portfolio and credit management process are at all times rated "satisfactory" by internal auditors, the Credit Review group and external Regulators.
+ Develop and maintain a deep understanding of the product spectrum and portfolio at the client, industry, and macro level to assess risk and craft value added solutions balancing risk.
+ Develop, maintain, and manage internal relationships with business partners including Corporate and Investment Bankers, Sales & Trading, Risk Management, Syndications, and Legal.
+ Participate in strategic projects to support business goals.
**What we are looking for**
+ BA/BSc degree (or equivalent); Finance, Accounting or Economics would be beneficial.
+ Relevant prior experience in financial services, preferably roles within credit risk management, where you have demonstrated an ability to identify, assess, monitor, control and mitigate credit risk.
+ Credit skills and risk judgment and ability to defend rigorously a fact-based point of view.
+ Knowledge and keen interest to learn about issues related to industry risk, transaction risk and awareness of country risk factors, reputational risk and operational risk.
+ Ability to quickly absorb and follow internal credit policies and procedures; demonstrated ability to continuously learn and adapt with a proactive work ethic.
+ Commercial mindset to support value added discussions with effective interpersonal and written and verbal communication skills, and attention to detail and accuracy.
+ Understanding of credit risk sensitivities in the portfolio and risk drivers of the exposures.
+ Keen interest in finance, macroeconomic and geopolitical issues.
+ Fluency with use of Microsoft Office applications, particularly Excel; including ability to prepare and/or review company specific financial models in Excel.
+ Strong team player & organisational skills with ability to prioritise and work under pressure to meet deadlines.
+ Effective interpersonal and written and verbal communication skills both written and verbal with ability to be concise and with attention to accuracy and detail.
+ Fluency in English required. Additionally, other European language skills, especially Germanwill be consideredhighly beneficial.
**Bank of America**
Good conduct and sound judgment is crucial to our long term success. It's important that all employees in the organisation understand the expected standards of conduct and how we manage conduct risk. Individual accountability and an ownership mind-set are the cornerstones of our Code of Conduct and are at the heart of managing risk well.
We are an equal opportunities employer and ensure that no applicant is subject to less favourable treatment on the grounds of gender, gender identity or gender reassignment, marital or civil partner status, race, religion or belief, colour, nationality, ethnic or national origins, membership of the Traveller community, age, sexual orientation, pregnancy or maternity, civil status, socio-economic background, family status or physical or mental disability. The Bank selects candidates for interview based on their skills, qualifications and experience.
We strive to ensure that our recruitment processes are accessible for all candidates and encourage any candidates to tell us about any adjustment requirements.
Bank of America and its affiliates consider for employment and hire qualified candidates without regard to race, religious creed, religion, color, sex, sexual orientation, genetic information, gender, gender identity, gender expression, age, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law, and as such affirms in policy and practice to support and promote the concept of equal employment opportunity, in accordance with all applicable federal, state, provincial and municipal laws. The company also prohibits discrimination on other bases such as medical condition, marital status or any other factor that is irrelevant to the performance of our teammates.
To view the "Know your Rights" poster, CLICK HERE ( .
View the LA County Fair Chance Ordinance ( .
Bank of America aims to create a workplace free from the dangers and resulting consequences of illegal and illicit drug use and alcohol abuse. Our Drug-Free Workplace and Alcohol Policy ("Policy") establishes requirements to prevent the presence or use of illegal or illicit drugs or unauthorized alcohol on Bank of America premises and to provide a safe work environment.
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**About the Role:**
**Grade Level (for internal use):**
11
**The Team:**
S&P Global Market Intelligence (SPGMI) is seeking a Senior Analyst to support the Credit Solutions Market Development team in EMEA. Credit Solutions (CS) business lines are a suite of products focused on the Credit Ratings and Research from S&P Global Ratings through desktop, Excel, and Enterprise platforms including RatingsDirect, RatingsXpress, CreditPro and others, that are leveraged by market participants to assess, manage, and monitor the credit risk of fixed income investments and lending/counterparty exposures across many industry segments and workflows.
**Responsibilities and Impact:**
The Credit Solutions Market Development Senior Analyst helps define and execute market development strategies to spearhead Credit Solutions business growth and deliver value to our target markets by driving business targets, managing client relationships, producing thought leadership, monitoring market trends and competition to accelerate penetration and adoption of our solutions.
The Senior Analyst will be focused on the successful rollout and launch of CreditCompanion. CreditCompanion is a generative AI based assistant which enables research and discovery across the wealth of research and ratings from S&P Global Ratings.
He/She/They are responsible for Go-To-Market initiatives, including launching new products and features, and gathering market feedback and business intelligence to inform product and solution roadmaps. This role is very connected to partner organizations and our clients, with a strong impact on driving the regional and product strategy for Credit Solutions in EMEA.
+ Drive Credit Solutions revenue targets for products and market development initiatives in EMEA. Create, maintain, and nurture strategic account relationships in partnership with the C&RS Commercial team. Monitor and build pipeline, support deal close, and product adoption.
+ Own Go-To-Market activities for prioritized initiatives. Identify market opportunities, develop marketing campaigns and target lists, produce thought leadership, and drive product adoption in partnership with the commercial and marketing teams. Represent the business at key industry events. Identify and monitor industry and market trends.
+ Ensure commercial team field readiness for product launches and the existing suite in the region working with the Education, Product, and the Global Market Development team
+ Participate in the creation of product and marketing collateral, including user guides and client newsletters, etc.
+ Contribute to the development of the product roadmap for the Credit Solutions lines of business. Prioritize market needs, size market opportunities, and assess and monitor competitors. Provide ongoing market feedback on the product strategy and development process through client interaction and dedicated market outreach
+ Contribute to Credit Solutions business strategy
**What We're Looking For:**
This position provides the opportunity to work in a critical function of the Credit Solutions business. You will work across business groups including market development, product management, commercial and operations. You will have the ability to surface actionable insights through the analysis of data and leverage technology to improve existing processes.
**Basic Qualifications/Requirements:**
+ 6+ years experience in the financial services industry
+ Bachelor's degree required (preference for background in finance, business, economics or related subject)
+ Working knowledge of finance, financial markets and our company
+ Excellent communication skills, both written and verbal
+ Detailed oriented, possessing strong critical thinking and analytical skills
+ Proven market development skills: experience working with commercial organizations, developing and executing market development plans and Go-To-Market initiatives (marketing campaigns, thought leadership, industry analysis), and supporting commercial opportunities
+ Ideally, experience with B2B data and analytic business in the Credit Risk industry
+ Proven client facing, project management and organizational skills
+ Quick decision-making skills and highly collaborative
+ Advanced Microsoft Office skills, including Excel and PowerPoint
+ German, French, Spanish, Italian or other language skills a plus
**About S&P Global Market Intelligence**
At S&P Global Market Intelligence, a division of S&P Global we understand the importance of accurate, deep and insightful information. Our team of experts delivers unrivaled insights and leading data and technology solutions, partnering with customers to expand their perspective, operate with confidence, and make decisions with conviction.
For more information, visit .
**What's In It For** **You?**
**Our Purpose:**
Progress is not a self-starter. It requires a catalyst to be set in motion. Information, imagination, people, technology-the right combination can unlock possibility and change the world.
Our world is in transition and getting more complex by the day. We push past expected observations and seek out new levels of understanding so that we can help companies, governments and individuals make an impact on tomorrow. At S&P Global we transform data into Essential Intelligence®, pinpointing risks and opening possibilities. We Accelerate Progress.
**Our People:**
We're more than 35,000 strong worldwide-so we're able to understand nuances while having a broad perspective. Our team is driven by curiosity and a shared belief that Essential Intelligence can help build a more prosperous future for us all.
From finding new ways to measure sustainability to analyzing energy transition across the supply chain to building workflow solutions that make it easy to tap into insight and apply it. We are changing the way people see things and empowering them to make an impact on the world we live in. We're committed to a more equitable future and to helping our customers find new, sustainable ways of doing business. We're constantly seeking new solutions that have progress in mind. Join us and help create the critical insights that truly make a difference.
**Our Values:**
**Integrity, Discovery, Partnership**
At S&P Global, we focus on Powering Global Markets. Throughout our history, the world's leading organizations have relied on us for the Essential Intelligence they need to make confident decisions about the road ahead. We start with a foundation of **integrity** in all we do, bring a spirit of **discovery** to our work, and collaborate in close **partnership** with each other and our customers to achieve shared goals.
**Benefits:**
We take care of you, so you can take care of business. We care about our people. That's why we provide everything you-and your career-need to thrive at S&P Global.
Our benefits include:
+ Health & Wellness: Health care coverage designed for the mind and body.
+ Flexible Downtime: Generous time off helps keep you energized for your time on.
+ Continuous Learning: Access a wealth of resources to grow your career and learn valuable new skills.
+ Invest in Your Future: Secure your financial future through competitive pay, retirement planning, a continuing education program with a company-matched student loan contribution, and financial wellness programs.
+ Family Friendly Perks: It's not just about you. S&P Global has perks for your partners and little ones, too, with some best-in class benefits for families.
+ Beyond the Basics: From retail discounts to referral incentive awards-small perks can make a big difference.
For more information on benefits by country visit: Hiring and Opportunity at S&P Global:**
At S&P Global, we are committed to fostering a connected and engaged workplace where all individuals have access to opportunities based on their skills, experience, and contributions. Our hiring practices emphasize fairness, transparency, and merit, ensuring that we attract and retain top talent. By valuing different perspectives and promoting a culture of respect and collaboration, we drive innovation and power global markets.
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**Equal Opportunity Employer**
S&P Global is an equal opportunity employer and all qualified candidates will receive consideration for employment without regard to race/ethnicity, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, marital status, military veteran status, unemployment status, or any other status protected by law. Only electronic job submissions will be considered for employment.
If you need an accommodation during the application process due to a disability, please send an email to:   and your request will be forwarded to the appropriate person. 
**US Candidates Only:** The EEO is the Law Poster   describes discrimination protections under federal law. Pay Transparency Nondiscrimination Provision - - Professional (EEO-2 Job Categories-United States of America), PDMGDV202.2 - Middle Professional Tier II (EEO Job Group), SWP Priority - Ratings - (Strategic Workforce Planning)
**Job ID:**
**Posted On:**
**Location:** London, United Kingdom

Unser renommierter Klient, eine führende internationale Bank mit Hauptsitz in Frankfurt am Main, Hessen , sucht einen erfahrenen Senior Risk Manager (m/w/d) zur Verstärkung ihres Risikomanagement-Teams. In dieser strategischen Rolle sind Sie verantwortlich für die Identifizierung, Bewertung und Steuerung verschiedener finanzieller Risiken, einschließlich Kreditrisiko, Marktrisiko, operationellem Risiko und Liquiditätsrisiko. Sie entwickeln und implementieren Risikomanagement-Strategien und -Richtlinien, überwachen die Einhaltung regulatorischer Anforderungen (z.B. Basel III/IV) und erstellen Berichte für das Management und die Aufsichtsbehörden. Zu Ihren Aufgaben gehört die Durchführung von Stresstests und Szenarioanalysen sowie die Entwicklung und Verbesserung von Risikomodellen. Sie arbeiten eng mit verschiedenen Geschäftsbereichen zusammen, um Risiken frühzeitig zu erkennen und proaktive Maßnahmen zur Risikominimierung zu ergreifen. Ein abgeschlossenes Studium der Wirtschaftswissenschaften, Mathematik, Physik oder eines vergleichbaren quantitativen Fachs wird vorausgesetzt. Mehrjährige Berufserfahrung im Risikomanagement einer Bank oder eines Finanzinstituts ist unerlässlich. Fundierte Kenntnisse der relevanten regulatorischen Rahmenbedingungen und ein tiefes Verständnis für Finanzmärkte und -instrumente sind erforderlich. Exzellente analytische Fähigkeiten, starke Problemlösungskompetenzen und die Fähigkeit, komplexe quantitative Analysen durchzuführen, zeichnen Sie aus. Hervorragende Kommunikationsfähigkeiten, sowohl auf Deutsch als auch auf Englisch, sowie die Fähigkeit, effektiv mit verschiedenen Stakeholdern zu interagieren, sind entscheidend.

Ihre Hauptverantwortlichkeiten:

• Identifizierung, Bewertung und Steuerung finanzieller Risiken (Kredit, Markt, Operationell, Liquidität)
• Entwicklung und Implementierung von Risikomanagement-Strategien und -Richtlinien
• Überwachung der Einhaltung regulatorischer Vorgaben (z.B. Basel III/IV, CRR)
• Durchführung von Stresstests und Szenarioanalysen
• Entwicklung und Validierung von Risikomodellen
• Erstellung von Risikoberichten für Management und Aufsichtsbehörden
• Zusammenarbeit mit Geschäftsbereichen zur Risikointegration
• Beratung des Managements in risikorelevanten Fragestellungen
• Kontinuierliche Verbesserung der Risikomanagement-Prozesse
• Beobachtung von Markttrends und regulatorischen Änderungen

Ihr Profil:

• Abgeschlossenes Studium (Wirtschaftswissenschaften, Mathematik, Finanzen o.ä.)
• Mehrjährige Berufserfahrung im Risikomanagement im Bankwesen oder Finanzsektor
• Tiefgreifende Kenntnisse der gängigen Risikomanagement-Methoden
• Vertrautheit mit regulatorischen Anforderungen (Basel III/IV, etc.)
• Starke quantitative und analytische Fähigkeiten
• Sehr gute Kenntnisse von Finanzinstrumenten und Märkten
• Erfahrung mit Risikomanagement-Software ist von Vorteil
• Ausgeprägte Problemlösungskompetenz
• Hervorragende Kommunikations- und Präsentationsfähigkeiten
• Fließende Deutsch- und Englischkenntnisse