GERMAN: Graduate Trainee Finance Analyst

Title: GERMAN: Graduate Trainee Finance Analyst

Contract type: 100% remote , or Hybrid ( London or Leeds ) is available

Salary : to £36,000 ( to £50,000 for someone who has relevant experience) + excellent benefits including sports clubs and virtual Yoga classes

Language needed : Fluent German and English

Sponsorship : Yes. Sponsorship is available

Dog friendly office: yes

Company : If you are a numerate graduate and are looking to embark on a career within financial services then look no further! This company will train you fully as a credit analyst – a role where you will have the authority to decide who is eligible for loans and who does not meet the criteria. You will be part of a small and very friendly team of 7 who work closely together to assess the credit worthiness companies and individuals and as such you will go through a rigorous training programme that will include work shadowing, on-the-job and classroom based learning . You will be taught how to ” read” financial statements and how to interpret risk . After three months you will be given a portfolio of enquiries to deal with and genuine responsibility which will set you up for a fast-paced career in Underwriting .

The role: dealing directly with small business owners and entrepreneurs across Germany your role is to make the process of managing loan applications as stress-free, fast and easy as possible!

There are 4 key elements to this role 1) Advise the customer & understand needs 2) analyse risk 3) Due diligence research and 4) process and issue the loan

1) Advise the customer

• Advising SME’s that are in need of working capital
• Communicate openly and honestly with the loan applicants via phone and email
• Understand the underlying needs of the loan applicant and gain a real understanding of their business.
• Adapting your underwriting to match a variety of different businesses, from local bakeries to highly specialised manufacturers.

2) Analyse

• Analysing credit data, financial statements to determine the level of risk involved in lending.
• Conducting thorough due diligence
• Make lending decisions based on a thorough understanding of the business and the applicant .
• Ensure that decisions are always fair

3) Due diligence

• Research the business and the sector
• Ensure that the applicant is in a position to repay the loan
• Working closely with the Tech and Analytics team to improve systems
• Liaising with Account Managers to ensure customer needs are met at all times.

4) process the loan

• You will be processing and analysing 6-8 applications per day

Requirements

• Fluent German
• Numerate
• Good degree
• This would suit someone with credit control or accounts experience who is looking to move into a more career orientated role