Commerz Global Service Solutions Hiring! Full Time Wholesale Credit - Financial Institution Group - SME - Credit Analyst in Selangor - Ricebowl

We are hiring multiple Credit Analyst roles across various tracks, including Wholesale Credit, Financial Institutions Group (FIG) and SME candidates will be selected based on their primary focus area, background and interest.

The role offers the opportunity to conduct credit analysis for industrial leaders and global corporate groups, providing exposure to some of Germany and Europe's largest multinational firms as well as niche, specialist firms. You'll work closely with senior industry specialists to deliver incisive insights.

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".

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.
• 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)
• Possession of CFA/FRM qualifications or ongoing progress toward achieving them is highly advantageous.

Specialist Knowledge :

• First experience in the credit risk analysis of Corporate and/or Institutional and SME Clients.
• Knowledge 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 relationships
• Methodically structured working methods; organizing your own work independently
• Understanding 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.

Why Join Commerz Global Service Solutions?

• Flexible working hours & work-from-home options;
• Develop expertise and skill development through training & coaching with experienced industry specialists; and
• Be part of the Credit Risk family and gain exposures to a global credit experience with a leading European bank.