Senior Credit Specialist (f/m/d) - Siemens Financial Services, Muenchen

Premier groupe européen de haute technologie, Siemens conjugue depuis toujours performance technique, innovation, qualité et fiabilité.
Nos activités centrées sur les secteurs des infrastructures et des villes, l'industrie, l'énergie et la santé, ciblent des marchés de croissance sur lesquels le Groupe nourrit l'ambition d'être leader.

Missions

As Senior Credit Specialist (f/m/d) in the Risk Rating department EMEA/Asia Australia you prepare credit analysis and assign risk ratings for borrowers of SFS’ commercial finance (mid-market) and corporate lending business and engage in the further development of rating methods, credit data banks and the digitalization of rating processes.
You independently evaluate the creditworthiness of corporates and public entities as well as borrowers of leveraged finance loans in a broad range of industries in Europe, Asia, and Australia

• You analyze borrower’s financial statements and cash flow projections and prepare and sensitize internally prepared cash flow models
• You efficiently collaborate as member of a deal team incorporating Rating, Risk Management and Origination
• You assign an obligor rating within the given Rating Authority
• Additionally, you continually monitor the creditworthiness of portfolio counterparties and initiate rating actions as deemed necessary
• The analysis is presented to the next higher rating authority holder, the Rating Committee and the Siemens Bank Credit Committee
• You ensure constant knowledge exchange with Risk Rating Americas as well as Risk Management in the Business Units
• You support in the training and coaching of less experienced rating analysts and/or colleagues in other SFS Functions or Business Units
• You participate in refining existing rating methodologies and in developing new rating methodologies if required from the business
• You support in the further development of SFS’ general rating data base
• Furthermore, you explore and proactively drive opportunities within Risk Rating to digitalize parts of the analytical process and to use Artificial Intelligence solutions

Profile

• You have successfully obtained a university degree in economics/business administration or a comparable field of studies
• You have collected at least 5 years of professional experience in financial analysis at a bank or another financial institution, ideally in the leveraged finance space
• Alternatively, you have completed an apprenticeship in combination with long-term work experience
• You have professional knowledge in corporate finance and macro economics
• We´re looking for a new team member with strong affinity for digitalization and Artificial Intelligence topics and a spirit to promote related projects; proven experience in these areas is welcome
  
• You have sound experience in working with financial models as well as professional analytical capabilities (financial statement analysis)
• You know how to convey analytical conclusions in a well-structured manner in a rating report and possess a confident appearance presenting rating analysis to Authority Holders
• You are a strong team player and can work under time pressure while maintaining a positive focus
• You always demonstrate a constructive, outcome-oriented behavior
  
• You are fluent in German and English, knowledge of other languages (e.g. Spanish, French, Italian) is a plus