Credit Specialist - Problem Loan Management (m/f/d)

We're hiring for a leading financial institution in Frankfurt. They're looking for a Credit Specialist to join their expert team, someone with a sharp eye for credit risk, structured finance, and sound decision-making. This is a great opportunity to work on impactful deals in a stable, growth-oriented environment.

Responsibilities

• Oversee the identification, assessment, and strategic management of distressed and high-risk credit exposures.
• Develop tailored restructuring strategies and evaluate borrower recovery potential using forward-looking financial modeling.
• Review and interpret financial statements, restructuring plans, and legal documentation to support decision-making.
• Make independent credit recommendations and decisions within delegated authority, including provisioning assessments.
• Ensure adherence to internal policies and external regulatory standards, including regular reporting to senior stakeholders.
• Engage in negotiations with clients and external partners to structure viable recovery or restructuring solutions.
• Contribute to internal projects aimed at enhancing risk frameworks, digital tools, and policy development.

Profile

• Academic background in Finance, Economics, or a related discipline.
• Proven experience in credit risk, restructuring, or special situations within a financial institution.
• Strong understanding of regulatory frameworks relevant to credit risk and loan recovery in Germany.
• Proficiency in financial reporting standards (IFRS, HGB, US-GAAP) and cash flow analysis.
• Familiarity with export credit agency (ECA) financing is advantageous.
• Analytical mindset with strong judgment and decision-making capabilities.
• Excellent communication and negotiation skills, with the ability to manage complex stakeholder relationships.
• Self-driven, structured, and comfortable working in a dynamic, cross-functional environment.