(Senior) Credit Analyst M/F/X

Berlin

Requirements - ----------- ### Must have: ### - Degree in Finance, Economics, Business Administration, or related field; advanced qualifications (CFA, CEFA) are a plus. - Several years of experience in Corporate or Institutional Banking, with expertise in credit analysis, underwriting, and portfolio management. - Strong knowledge of lending and Trade Finance structures, documentation, and covenant frameworks. - Advanced financial modeling skills and proficiency in Excel, Power BI/Tableau; Python or SQL knowledge is an advantage. - Familiarity with credit systems (Moodys Risk Analyst, Bloomberg, S\&P Capital IQ) and regulatory guidelines (EBA, MaRisk). - Excellent English skills; German or Dutch is a plus. - Strong analytical mindset, stakeholder management, and communication skills. - High level of ownership, precision, and ability to deliver under pressure. Responsibilities: - ---------------- - Conduct in-depth financial and business analysis of corporate clients, prepare credit proposals, and coordinate approvals with Relationship Management, Risk, Legal, and Product teams. - Monitor exposures, financial performance, covenants, and collateral. Support periodic credit reviews and MI reporting, ensuring compliance with EBA Loan Origination \& Monitoring Guidelines. - Help implement credit systems, workflows, and data controls. Contribute to financial models and dashboards for automation and portfolio analytics. - Work closely with 1st and 2nd Line teams to deliver high-quality credit outcomes while ensuring adherence to governance and regulatory standards. - Assist in planning and delivering new banking products and embedding credit procedures into the Banks risk framework. - -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- Company: - ------- We are Lloyds Bank GmbH, along with our brands Bank of Scotland and Lloyds Bank, proudly serving over 1 million satisfied customers. Our committed colleagues continuously strive to achieve the best for our customers every day. We are looking for reinforcement in our Berlin Mitte office to continue our success story. Our international team comprises colleagues from over 50 different countries, and we offer social benefits, 30 days of vacation, flexible working arrangements, and an excellent learning culture, all within a friendly and informal corporate environment. - -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------