Junior Credit Analyst (gn) (m/w/d)

Stellenbeschreibung

Junior Credit Analyst (gn)

PS Direkt - Job perfekt Whether its 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

Feel free to contact us at bewerbung@ps-direkt.com, by phone at 0221-846909-0 or send us a message on Xing!

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 €50.000 and €68.000.

Kontakt

PS Direkt GmbH & Co. KG
Frau Joeline Link
50677 Köln