Senior Credit Analyst Senior Credit Analyst …

Riverbank SA
in Frankfurt am Main, Hessen, Deutschland
Festanstellung, Vollzeit
Letzte Bewerbung, 23 Okt 21
Riverbank SA
in Frankfurt am Main, Hessen, Deutschland
Festanstellung, Vollzeit
Letzte Bewerbung, 23 Okt 21
Gepostet von:
Susanne Schramm • Recruiter
Riverbank SA
Gepostet von:
Susanne Schramm
RiverBank is looking to recruit for its Frankfurt Branch a Senior Credit Analyst.

RiverBank’s mission is to combine the best of the fintech and banking world. From our offices in Amsterdam, Frankfurt, Paris and our headoffice in Luxemburg we act  as a niche lending player and an IT company.  Our core focus is to grant loans to Small and Medium Enterprises in Europe using a fast, flexible and highly performing IT platform.

RiverBank operates under a full and universal European Banking Licence delivering a one stop shop approach in the entire EU.

As a young company, the talent and passion of our people is critical to our success. Together, we share a common set of values rooted in integrity, excellence and strong team work. RiverBank will offer an entrepreneurial environment within the regulatory banking framework - a place for people to learn, to achieve and grow. Our culture will promote diversity and individual perspectives in an international environment, represented by more than 15 nationalities.

At RiverBank, we cherish our employees and foster a culture of learning and improvement. From your first day - where you will join a dedicated program to ensure your integration is successful - until many years later, you will be given the required resources to develop personally so that your career at RiverBank gives you a meaningful and lifelong learning experience.


Department Profile

RiverBank’s credit department selects, analyses and structures loans brought in through our network of distribution partners. Whether you’re interested in fintech, financing SME, B2B distribution or working for a high growth firm, RiverBank is the place to be.

The Senior Credit Analyst is responsible for the risk assessment of the credit including structuring, analysis, industry research and financial modelling. The Senior Credit Analyst is also responsible for credit structuring, documentation and ongoing maintenance of new and existing customers.


Primary Responsibilities:

  • Working closely with our origination team
  • Analysing and structuring of senior and subordinated loans and preparation of credit approval documents to be presented to the Credit Committee
  • Analysing credit risk, structuring credit products and to do financial modelling
  • Managing ongoing credit needs of existing relationships 
  • Attending management meetings
  • Working with external parties like lawyers, real estate valuators and other relevant market parties
  • Monitoring an assigned portfolio of clients; in depth client knowledge is essential for adequately identifying early warning signals with the aim of minimizing loan losses. 
  • Continuously optimizing credit- and credit-related procedures and processes, risk control and IT systems in order to help RiverBank moving forward as a fintech company
  • Collaborating with Risk, Front Office, Back Office and Management to support sustainable and controlled growth of the credit portfolio while providing lending and structural solutions.


Qualifications & skills required

  • Relevant prior experience in credit analysis, sound numerical skills and Cash flow analysis and projections proficiency
  • Familiarity with legal documentation
  • Excellent relationship and communication skills, knows how to negotiate a deal between stakeholders
  • Team player, lots of energy, thrives in a fast paced environment
  • Reliable , effective and efficient, prioritizes work and able to anticipate business needs 
  • Proactive and politely assertive when dealing with credit risk issues 
  • Self-starter with an entrepreneurial spirit
  • Fluent in German and English; any other European language would be an advantage.

RiverBank is an equal opportunities employer. We work to provide a supportive and inclusive environment where all individuals can maximise their full potential. Our skilled and creative workforce is comprised of individuals drawn from a broad cross section of the communities in which we operate and who reflect a variety of backgrounds, talents, perspectives and experiences. Our strong commitment to a culture of inclusion is evident through our constant focus on recruiting, developing and advancing individuals based on their skills and talents.

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