Junior Credit Analyst (m/f/d) – (Parental Leave Cover for 10-12 months) Junior Credit Analyst (m/f/d) – (Parental Leave  …

Opel Bank GmbH
à Potsdam, Brandebourg, Allemagne
CDI, Plein-temps
Dernière candidature, 05 août 20
Opel Bank GmbH
à Potsdam, Brandebourg, Allemagne
CDI, Plein-temps
Dernière candidature, 05 août 20
Opel Bank GmbH
Opel Vauxhall Finance’s vision is to meet the mobility needs of our customers through financial services solutions for the Opel and Vauxhall brands. Our Strategic Priorities focus on the development of our people, performance delivery, penetration, efficiency, customer loyalty and protection - maintaining strong risk management and compliance practices. We promote a collaborative culture of people who actively contribute with integrity. We are agile, open minded and adaptive to deliver at pace, with customers at the heart of all we do.

Position Objectives & Responsibilities

The Junior Analyst works in a team which provides analytical services for local Operations. He/she will provide credit risk opinions and recommendations to proposals received from the country Operations/Sales Organization. The analysis provided includes, but is not limited to, repayment capacity, operating results, credit/asset base, collateral, etc., of corporate customers via various financial products. These risk opinions and recommendations should provide the approval authority the risk perspective to make an informed decision of the associated risks. The speed and quality of this analysis directly affects OVF’s ability to increase earnings and profitable assets and contributes to OVF’s competitive advantage. The Junior Analyst will also actively assist in team projects to improve the credit analysis process and continuously improve cooperation with Operations/Sales.

Knowledge & Education:

  • Obtains relevant and key information needed to allow an appropriate level of analysis to provide a solid credit/rating recommendation
  • Analyses existing and new applications quickly, efficiently and effectively, providing expedient turnaround
  • Recognizes and correctly interprets signs of increasing risk
  • Provides appropriate recommendations that mitigate risks identified to approval authorities
  • Ensures adequate security is in place
  • Supports the business in assessing business opportunities
  • Works as part of a team to ensure performance goals are met

Qualifications & Experience

  • Economics/business studies at a university with an appropriate degree/certificate or equivalent (Bachelor, Master).
  • Experience gained in a wholesale department of a OVF branch or in comparable departments (preferred)

Skills & Knowledge

  • Fluent English/German verbal and written
  • Knowledge of corporate financial statements (including balance sheets, profit & loss and cash flow statements) and knowledge and/or experience in using different applicable analysis tools, methods and ratios.
  • PC literate, especially MS Office (Word/Excel).
  • Knowledge of German/International accounting standards
  • Knowledge of German corporate law
  • Knowledge of the internal workings of a car dealership
  • Knowledge of different types of commercial security
  • Knowledge of forecasting techniques
  • Knowledge of insolvency/conversion procedure

What we offer

A friendly working atmosphere characterized by trust, respect and fairness varied and interesting challenges in a future-oriented and international environment characterized by committed cooperation, an open-minded and modern working environment and a vibrant European community, in addition: free drinks (water and coffee) and fresh fruit, employee leasing, contributions to pension schemes


As the captive automotive finance organisation for Opel and Vauxhall, we are wholly owned by Groupe PSA and BNP Paribas Personal Finance. With a team of around 1200 across 12 European countries, and strong shareholder support, we offer a wide range of career opportunities. What makes us unique is the ability to work in a European-wide environment in a collaborative culture.

We offer ongoing internal & external training which gives you the opportunity to enhance the skills that you already have or learn something new. We support professional qualifications where suitable, in addition to online training courses to help your development. We are committed to offering a fair, balanced work environment, with equal opportunity and respect for all.

Then apply now! Send us your detailed application documents via our job portal. Our team will be happy to answer any questions you may have. We look forward to getting to know you!