Junior Credit Analyst (gn)

PS Direkt - Job perfekt

Whether it's thorough analysis, a sharp sense for risk or the ability to structure complex financial data - as a Junior Credit Analyst (gn) you apply your expertise to ensure well-founded credit decisions. In this role, you combine analytical insight with strong business acumen, creating clarity and confidence throughout the entire credit process. If you enjoy turning numbers into clear recommendations and taking responsibility for high‑quality assessments, this position offers you a challenging and truly engaging field of work.

We are recruiting for this position as part of a permanent direct employment.

Your Responsibilities

• You assess credit, market, and country risks across various international business areas
• By conducting quantitative and qualitative analyses, you thoroughly evaluate the risk profiles of business partners
• In addition, you advise and support internal departments and provide well‑founded recommendations regarding credit line decisions
• Working closely with business partners and credit agencies, you gather relevant risk‑related information
• You also monitor overdue or exceeded credit positions, track market developments, analyze causes, and derive suitable risk‑mitigation measures - including reporting to management
• In negotiations with debtors, insurers, legal representatives, and insolvency or liquidation entities, you ensure the enforcement of outstanding claims
• Supporting management in handling unexpected risk cases is also part of your role
• Through internal training sessions and workshops, you help strengthen risk‑management awareness within the departments

Your Skills

• You have successfully completed vocational training in banking (Ausbildung als Bankkaufmann / -Frau) or hold a university degree in economics, finance, or a comparable field
• You bring experience in B2B risk management, ideally gained in internationally active companies, commercial or investment banks or credit insurers
• Ideally, you have around two years of professional experience - candidates with an auditing background are also very welcome
• You also possess basic knowledge of corporate and project finance as well as a solid understanding of international macroeconomic contexts
• You are familiar with international trade practices (e.g., Incoterms, payment terms)
• Proficiency in MS Office is part of your daily toolkit
• You are fluent in English, German would be a bonus
• A strong affinity for numbers and excellent analytical skills characterize you - particularly when assessing consolidated financial statements
• Strong communication skills and a confident, professional demeanor complement your profile
• You demonstrate a high level of initiative, commitment, and responsibility, and you work in a structured, goal‑oriented, and independent manner
• Working in a diverse, international team is something you genuinely enjoy

What We Offer You

• Flexible working hours (38.5‑hour week)
• Mobile working up to 2 days/week
• 30 days´ holiday
• Attractive training and development opportunities

Please note that documents sent by post cannot be returned. Your application materials and any personal data will be processed in accordance withe the European General Data Protection Regulation (GDPR) and the German Federal Data Protection Act (BDSG-new).

This position is remunerated with an annual gross salary between EUR50.000 and EUR68.000.