Credit Risk Officer(m/w/x)

# Credit Risk Officer, Hybrid (m/f/d) **Munich, Germany** | **Full time** **Who we are looking for** State Street is seeking a credit risk professional to analyze the bank’s corporate exposure including Leveraged Loans, CLOs and FX, who can support our Enterprise Risk Management team in Munich. This analyst position will support a number of business areas, including Global Credit Finance, Global Treasury and Global Markets. The position will be a key part of the Enterprise Risk Management (ERM) team, providing a unique opportunity for an analyst to work in a dynamic risk management environment. This role can be performed in a hybrid model, where you can balance work from home and office to match your needs and role requirements. **Why this role is important to us** The team you will be joining plays an important role in the overall success of the organization. Across the globe, institutional investors rely on us to help them manage risk, respond to challenges, and drive performance and profitability. To make that happen we need teams like yours to help navigate employees and the organization as a whole. In your role you will strive for cutting-edge solutions, that are straightforward and scalable. You will help us build resilience and execute day to day deliverables at our best. Join us if making your mark in the financial services industry from day one is a challenge you are up for. **What you will be responsible for** As Credit Risk Analyst for Corporates/ Leveraged Loans you will * Review and make recommendations to senior credit approvers on proposed credit exposures to large scale, multi-faceted corporate borrowers typically in complex financial transactions. * Analyse historical and forecast financials, competitive position, industry dynamics, organizational structure, transaction legal structure, repayment risks, and other critical factors. * Contribute to proactive oversight of a portfolio of individual credits, collaborating with senior approvers, staying abreast of periodic financial reporting and events. Active surveillance of general macro environment. * Identify and ensure transparency of material credit risk issues, including exceptions. * Be engaged in the resolution of adversely rated credit exposures. Support on internal review and audit activities relevant to the Corporate portfolio. * Create and run portfolio reports to assist in portfolio oversight efforts. * Support and coordinate policy, guideline and procedural updates including alignment of local with global credit policies, guidelines and procedures. * Contribute in a variety of departmental risk management and project assignments. Cooperate with specialists of broader ERM function of SSBI GmbH and State Street globally. **What we value** These skills will help you succeed in this role * Demonstrable track record of independent decision making, along with strong written and oral communication and presentational skills * Strong organizational skills and the ability to manage multiple assignments concurrently * Demonstrated high energy and strong motivation to add value to the organization * Willingness to work with others on the team on special projects **Education & Preferred Qualifications** * Successfully completed Bachelor’s and/or Master’s degree, preferably in Finance, Business, Economics or a related field or an equivalent educational background * Min. 2- 3 years of financial services experience within Credit Risk/ Risk Management in large financial institutions, emphasis on leveraged lending and knowledge of pertinent terms and conditions and current market standards for credit, security and inter-creditor agreements for leveraged loans is beneficial. * Knowledge in Capital Market products including Foreign Exchange, Treasury and Derivatives beneficial. * Knowledge of structured products and securitization markets is preferrable * Familiarity with regulatory risk rating requirements and application of such guidance **Additional requirements** * Strong communication skills with fluency in English and German * Strong analytical mindset with attention to detail * Excellent time management skills and ability to work effectively under pressure * Proficiency in use of Microsoft Word and Excel; familiarity with market information tools is also preferred **We offer** * Company covered English or German lessons * Eye Care Benefits * Holiday allowance: 30 days of annual leave + Birthday day off * Group Insurance * Group Pension Scheme * Lunch allowance * Discounted public transportation ticket * And more State Street is an equal opportunity and affirmative action employer.