Expert Kreditrisikobetreuung / Credit Workout (w/m/d)

About Our Client

Our client is a traditional cooperative bank with over 170 years of history, approximately 1,300 employees, and deep roots in East Westphalia. They are committed to actively shaping the region's economic prosperity, operating with trust-based working hours, modern mobile work arrangements, and a focus on impactful work.

Why This Job Will Resonate With You

• You desire genuine negotiation and decision-making authority, not just preparation for others.
• You prefer working in a focused team environment rather than anonymous large bank structures, representing the bank in consortiums.
• You seek an environment that is stable yet modern and flexible.
• You want to be recognized for your expertise in credit workout and insolvency law.
• You prefer a hybrid model with 2-3 days on-site in Gütersloh or Herford, with the rest remote, avoiding extensive travel.

Your Responsibilities

• Manage complex corporate and investor engagements within the risk-relevant credit business involving non-performing loans, focusing on separation, forbearance, or wind-down aspects.
• Develop results-oriented concepts for consensual or forced debt recovery from legal and economic perspectives.
• Utilize existing discretion in implementation discussions and negotiations, actively shaping contractual agreements within problem loan processing.
• Represent the bank in bank consortiums, creditor committees, and assemblies, and execute enforcement measures.
• Maintain and audit loan and collateral portfolios, assess them from realization and risk provisioning perspectives, and implement collateral realization.
• Support the team as a contact person for technical issues and contribute to reporting and quality assurance.
• Assume technical co-responsibility for the further development of processes in credit risk management concerning quality and efficiency.

Your Qualifications

• Completed banking apprenticeship and/or comparable qualification or basic legal studies. Lawyers from law firms are welcome.
• 5-7+ years of professional experience in managing problem loans and insolvencies – this is non-negotiable.
• Sound knowledge of the legal and regulatory framework in the credit business (termination & contract termination, collateral realization, insolvency & enforcement law, consumer protection & MaRisk).
• Demonstrable negotiation experience in risk-relevant credit cases – you lead discussions in consortiums, not just internally.
• Strong analytical skills, coordination ability, and process-oriented work – you maintain an overview when others lose their heads.
• Confident self-management, reliability, resilience, and a high degree of responsibility – you make the tough decisions.
• Fluent German at negotiation level – you negotiate with debtors, lawyers, and in creditor committees.
• Based in Germany – no visa/relocation issues, ideally in the East Westphalia region.

What Won't Work

• Less than 5 years of relevant experience in credit processing, workout, or insolvency – this is a role for experienced professionals, not trainees.
• Purely back-office or theoretical profiles without independent negotiation responsibility in problem cases.
• Candidates not based in Germany or requiring a lengthy visa/relocation process.
• Salary expectations significantly above the upper VDP C3 framework (~€85k) – the budget is fixed.
• Highly introverted individuals who shy away from tough negotiations with borrowers.
• Those only familiar with restructuring, not classic credit processing business – this role focuses on wind-down, not rescue.

Benefits

• Security: Unlimited contract (VDP collective agreement) in a stable cooperative bank with 170+ years of history.
• Earnings: Up to approx. €85k gross p.a. (13 salaries) + up to 10% individual allowance + bank-wide performance-related bonus.
• Flexibility: Flexible working hours, mobile work, 30 days of vacation + 2 bank holidays + special leave + unpaid leave.
• Work-Life-Balance: Lifetime employment account (sabbatical model).
• Health: Sports Navi, digital fitness classes, health check-ups, mobile massage.
• Mobility: JobRad leasing, JobTicket, attractive employee discounts.
• Catering: Meal allowances.
• Development: Individually tailored further training measures.
• Decision-Making Power: Genuine negotiation and decision-making power in consortiums, not a puppet.

What Makes This Role Special

• You are the expert in the team, relied upon by others for technical problem-solving.
• You represent the bank independently in consortiums and creditor committees – no annoying intermediate levels.
• You influence the quality and efficiency of credit risk management without having leadership responsibility.
• You work in a bank that truly knows and supports East Westphalia – this is not an anonymous financial institution.

Ready for the next step?

Apply now as Expert Credit Risk Management / Credit Workout (w/m/d). Your title is less important than your proven ability to master credit processing, conduct tough negotiations, and handle real cases in a stable regional bank.

Questions?

08106 – 39 80 370