Credit Risk Analyst - Traton Financial Services

Job offer

About the position

As a Credit Risk Analyst, you will play a key role in supporting the Credit Risk Director and sales teams in assessing, managing, and monitoring the financial health of our customers in the Czech Republic. You will perform credit analyses, prepare financing proposals, and contribute to the continuous improvement of our risk management processes.

The main responsibilities are:

Credit Assessment

• Support credit evaluations for new and existing customers.
• Collect and analyze customer financial data and statements.
• Prepare credit summaries highlighting key strengths and potential risks.
• Make recommendations and decisions within delegated authority.
• Prepare credit applications for the TFS Head office Credit Committee.
• Monitor deliveries and credit frames, and maintain Borrower scoring.
• Follow and update AML policy rules.

Process development

• Permanently develop methods and procedures related to Credit Risk evaluation
• Monitor relevance of the valid MV model for all countries in CER and propose changes of MV models if needed, even for each country individually

“Pipeline” planning

• In co-operation with Brand Directors and with Account Managers, follow dealer´s plan of deliveries of equipment
• Co-ordinate plan of credit assessments with decision makers / synchronize planned decision requests with their agendas
• When possible, analyze customer data well in advance before actual delivery

Reporting and ad-hoc portfolio analyses

Profile:

General competences:

• University degree in Economics, Finance, or a related field.
• Experience in credit underwriting, financing, leasing, or portfolio management is an advantage — motivated graduates are also welcome.
• Strong analytical and financial analysis skills.
• Proficient in Microsoft Office (Excel, Word, PowerPoint).
• Excellent command of Czech/Slovak and English; Hungarian is an advantage.

We’re looking for someone who is:

• Analytical and detail-oriented
• Communicative and cooperative
• Able to work independently and under time pressure
• A team player with a proactive, open-minded attitude
• Eager to learn and adapt to changes

What we offer:

• A great team and mission. You join a company that offers a truly international environment during one of its most interesting moments. You get to contribute to your function and the company at large with your competence and energy.
• An international work environment. Your office is located in Prague (Chrášťany) Czech Republic.
• Flexible working hours with the possibility of Home office
• 5 weeks of holidays, Multisport card, lunch tickets, and other benefits