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Credit Assessment Analyst – Credit Officer
Toyota Motor CorporationCredit Assessment Analyst managing financial evaluations and loan approvals at KINTO Germany. Engaging in risk assessment and compliance checks in a dynamic mobility service environment.
About the role
Key responsibilities & impact- Operational responsibility for incoming credit applications
- Review of financing documents followed by approval, release and commentary
- Identification of credit risks based on specific creditworthiness assessments, analysis of balance sheets and financial reports, and requesting additional financing documentation
- Clarification of matters related to the processing and decision status of credit/leasing inquiries
- Decision-making and preparation of collateral/security arrangements
- Review of entries in the Transparency Register and detection of suspicious cases related to fraud, compliance, and money laundering
Requirements
What you’ll need- Commercial vocational training; additional field-specific qualifications preferred (e.g., leasing clerk or bank clerk)
- Minimum 2–3 years of professional experience in the credit decision process for corporate clients at a bank or leasing company, or in a comparable role
- Strong affinity for numbers, solid mathematical understanding, and a high level of decision-making competence
- Experience in assessing and analyzing annual financial statements and financial ratios
- Very good technical understanding of system applications and experience in process improvement and automation
- Knowledge of HGB, BGB, and KWG desirable (HGB = German Commercial Code, BGB = Civil Code, KWG = German Banking Act); familiarity with rating methodologies and legal fundamentals for financial institutions
- Very good German and good English language skills
Benefits
Comp & perks- Agile working environment in a young company
- Internal and external workshops and training for personal development
- Flexible working hours with home office options
- Company pension plan
- Company car allocation program
- Subsidized lunch with a choice of two cafeterias
ATS Keywords
✓ Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills & Tools
credit risk assessmentfinancial analysiscollateral arrangementsfinancial statement analysisfinancial ratiosprocess improvementautomationrating methodologieslegal fundamentals
Soft Skills
decision-makingmathematical understandingaffinity for numbers
Certifications
leasing clerkbank clerk