Credit Analyst

Lloyds Bank GmbH and its brands Bank of Scotland and Lloyds Bank have won over 1 million satisfied customers in recent years. And this thanks to convincing products and, above all, our committed colleagues who want to achieve the best for our customers every day with new ideas, challenges and joy. In order to continue writing our success story, we are looking for the right reinforcement for our teams, because all our ambitious goals would be unattainable without teamwork. We also welcome career changers.

For our office in Berlin Mitte we are looking for a

(Senior) Credit Analyst - Corporate
(m/f/d)
As a Credit Analyst, you will play a key role in shaping and operating the lending and Trade Finance business from the ground up – combining sharp analytical work with hands-on involvement in process design and implementation. You'll be responsible for the origination, execution and monitoring of loan as well as trade facilities for corporate clients, acting as the 1st Line of Defense. In your role, you'll also support the development and roll-out of new banking products collaborating closely with the risk teams as well as multiple stakeholders across the Bank.

Aufgaben

• Credit Analysis & Transaction Support: Conduct in-depth financial and business analysis of corporate clients, prepare credit proposals, and coordinate approvals with Relationship Management, Risk, Legal, and Product teams.
• Portfolio Oversight & Data Quality: Monitor exposures, financial performance, covenants, and collateral. Support periodic credit reviews and MI reporting, ensuring compliance with EBA Loan Origination & Monitoring Guidelines.
• Processes & Tools: Help implement credit systems, workflows, and data controls. Contribute to financial models and dashboards for automation and portfolio analytics.
• Collaboration & Governance: Work closely with 1st and 2nd Line teams to deliver high-quality credit outcomes while ensuring adherence to governance and regulatory standards.
• New Product Development: Assist in planning and delivering new banking products and embedding credit procedures into the Bank's risk framework.

Profil

• Degree in Finance, Economics, Business Administration, or related field; advanced qualifications (CFA, CEFA) are a plus.
• Several years of experience in Corporate or Institutional Banking, with expertise in credit analysis, underwriting, and portfolio management.
• Strong knowledge of lending and Trade Finance structures, documentation, and covenant frameworks.
• Advanced financial modeling skills and proficiency in Excel, Power BI/Tableau; Python or SQL knowledge is an advantage.
• Familiarity with credit systems (Moody's Risk Analyst, Bloomberg, S&P Capital IQ) and regulatory guidelines (EBA, MaRisk).
• Excellent English skills; German or Dutch is a plus.
• Strong analytical mindset, stakeholder management, and communication skills.
• High level of ownership, precision, and ability to deliver under pressure.

Wir bieten

• An international team with colleagues from more than 50 different countries
• Social benefits such as a company pension scheme and capital formation contributions
• 30 days holiday as well as 24 and 31 December as non-working days
• Employee Assistance Programme – personal 24/7 helpline for all employees
• Various possibilities for flexible working, i.a. various part-time models, flexitime
• Extensive, very flexible home office arrangements
• Possibility to work from other EU countries for up to 30 days per year
• Additional benefits such as sports activities, free fruit, nuts and drinks
• Employer contributions to BVG job ticket and a Lease a bike programme
• An informal corporate culture - without dress code and 'Sie'.
• An excellent learning culture and opportunity to improve your professional competencies
• Easily accessible city centre offices, in the vicinity of many shops and restaurants to which you receive a discount

Important note
Please be advised that a valid work permit for Germany is required for non-EU citizens. Unfortunately, applications without a valid work permit and sufficient German language skills may not be considered.

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