Senior Credit Analyst

Job Description

Siemens Renting is looking for a credit analyst with a background in finance, accounting or other related fields. A solid financial background is important for acquainting credit analysts with ratio analysis, financial statement analysis, risk assessment, and economics. Naturally, a working knowledge of accounting principles and financial techniques also comes in handy.

Main tasks would be:

  • Conduct through analysis of financial statements and assessment of credit requests, including new requests, changed requests, refinancing and annual due diligence.
  • Provide recommendations tied to analysis and assessment of credit risk. Deal structuring.
  • Present analysis, findings, and recommendations to managers, especially findings that involve a borrower’s ability to repay.
  • Keep up to date with the company’s lending policies and procedures.
  • Reconcile credit files and identify discrepancies and variances.
  • Develop and prepare spreadsheets and models to support analysis of new and existing credit applications.
  • Review and monitoring of scoring models in conjunction with scoring team at headquarters.
  • Make recommendations on scoring performance and critical changes to improve efficiency or mitigate existing risks.
  • Analysis and portfolio analytics.
  • IFRS 9 good understanding and experience.
  • Good understanding of EAD, PD and LGD
  • Developing models, both mathematical and statistical ones that directly relate to the risk being measured.
  • In control framework development, having the capacity to set up data quality controls and develop data quality checks in a credit and collections environment.
  • Non-performing transactions analytics, management and control.
  • Recording anticipated economic environment changes.


  • Education: at least a bachelor’s degree, with a background in finance, accounting or other related fields.
  • Preferable applicants with a Master of Business Administration (MBA) degree or practical designations such as the Financial Modeling and Valuation Analyst (FMVCFI Financial Modeling Certification)™, which covers topics that are relevant to credit analysis such as the interest coverage ratio and the creation and analysis of a debt schedule.
  • Two to five years of experience in the related fields.
  • Strong proficiency in MS Office and general computer use.
  • Ability to effectively manage competing deadlines for projects in a high-pressure work environment, with varying degrees of supervision.
  • Strong attention to detail and ability to notice discrepancies in data.
  • Fluent English is a must / written and spoken. German would be appreciated.

La Diversidad en Siemens es nuestra fuente de creatividad e innovación. Contar con diferentes tipos de talento y de experiencias nos hace ser más competitivos y estar mejor preparados para responder con éxito a las demandas de la Sociedad. Por ello, valoramos a las candidatas y a los candidatos que reflejen la Diversidad que disfrutamos en nuestra Compañía.


Job ID: 116314

Organization: Financial Services

Company: Siemens Renting S.A.

Experience Level: Experienced Professional

Job Type: Full-time

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