Credit Analyst

Location: Gütersloh & Herford / North Rhine-Westphalia / Germany
Employment Type: Full-Time
Salary: €85,000
Language: German C1
Work Model: Hybrid & Remote

About the Role

Lead and oversee distressed loan risk management for complex corporate and investor exposures, delivering recovery strategies within legal and regulatory frameworks.

Responsibilities

• Manage complex corporate and investor engagements in high-risk lending involving distressed loans, including restructurings, forbearance arrangements, and recovery actions.
• Develop results-oriented concepts for consensual or enforced debt recovery, considering legal and economic factors.
• Utilize available discretion and competencies in negotiation and actively shape contractual agreements within distress loan management.
• Represent the bank in lending consortia, creditor committees or meetings and support the implementation of enforcement measures.
• Maintain and review claims and collateral, assess them from realization and risk provisioning perspectives, and execute collateral disposal as needed.
• Support the team as an internal point of contact for technical issues and contribute to reporting and quality assurance.
• Contribute to the ongoing development of processes in credit risk management with a focus on quality and efficiency.

Requirements

• Completed banking apprenticeship and/or a comparable qualification, or a degree in law, with professional experience in managing distressed loans and insolvencies.
• Strong knowledge of the legal and regulatory framework governing lending.
• Analytical thinking, strong coordination skills, a process-oriented approach, and effective self-management.
• Reliability, resilience, and a high sense of responsibility.
• Minimum 5 years of relevant experience in credit risk or distressed debt management.

Benefits

• Balanced work-life with flexible hours and remote work options.
• 30 vacation days, two additional bank holidays, special leave for certain events, plus unpaid leave.
• Option of paid leave within a lifetime working time account.
• Active health management: fitness resources, digital classes, health checks, and mobile massage.
• Bike leasing and travel subsidies, plus employee discounts and meal allowances.
• Tailored professional development opportunities.