Senior Credit Analyst – WKV & WKV Banking / Long Term Underwriting

About the role

As a Senior Credit Analyst you will play a key role in assessing complex credit risks and driving high‑quality underwriting decisions for the German market.

Key responsibilities

• Independently analyse financial statements, business performance and risk profiles of domestic and international corporate clients.
• Assess transaction, counterparty and group risks at both national and international level.
• Make independent credit decisions within delegated authority and prepare recommendations for higher‑level approvals.
• Lead discussions on complex risk cases and provide expert recommendations.
• Monitor credit portfolios and proactively identify risk‑mitigation opportunities.
• Serve as a key contact point between Bratislava and German Credit Analysis teams.
• Build relationships with brokers, policyholders and internal stakeholders and confidently defend credit decisions.
• Support less experienced team members through knowledge sharing and coaching.
• Drive process‑optimization initiatives and participate in international projects.
• Contribute to the development of underwriting and risk‑assessment practices.

Required profile

• University degree in Finance, Economics, Business Administration or a related field.
• 5+ years of experience in credit risk analysis, corporate banking, trade credit insurance, surety or a comparable field.

Required skills

• Strong expertise in financial statement analysis.
• Proficiency with credit assessment methodologies and risk classification.
• Good knowledge of MS Office.
• Experience with credit‑related systems.

What we offer

• Starting base salary 2200 EUR gross per month.
• Personal days off, concentrated work week, additional vacation, home‑office options, extra days off for childbirth, sabbatical leave and workcation.
• Life insurance, compensation for salary loss during sick leave, 3rd‑pension‑pillar contribution, risk life insurance, meal contribution, years‑of‑service bonus, wedding bonus and baby bonus.
• Edenred electronic cafeteria, public‑transport contribution, maternity‑leave benefits and office massages.
• Professional certifications, online education portals, extensive onboarding programme and strengths‑based culture (GALLUP).