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Solaris is a tech company with a full German banking license. Our Banking-as-a-Service platform enables businesses to offer their own financial products. With our straightforward APIs, our partners can access and integrate a wide range of solutions such as digital banking, payments, cards, identification and lending services. As a market leader we are driven by bringing transformational change to the financial services industry.
Job Responsibility:
Manual Underwriting
Structure of credit transactions
Assessing and approving credit transactions in line with OHB and external regulatory framework
Perform, optimize and maintain the credit approval process
Setup and maintain (manual) credit file management
Review/update credit files regularly
Automated Underwriting
Assist in setting criteria for Decision Engine
Align conceptual consistency of underwriting principles
Credit Portfolio Steering
Prepare regular qualitative portfolio review with action proposals to keep credit risk exposure within risk appetite
Run ad-hoc assessment to keep credit risk exposure within risk appetite
Monitor partnership team actions regarding dunning, workout, collection actions
Responsible for closing audit findings in the respective focus area
Train CRM and Solaris staff on underwriting principles
Project related tasks, e.g. development of new loan products
Requirements:
Educational degree, ideally with a focus on economics, business administration, banking or a comparable qualification
5 + years of relevant work experience in credit risk management in a bank or financial institution
At least 2 years of experience in credit underwriting
Experience of financial products with respect to credit loans, process setup and loan documentation processes, credit risk management and/or credit structuring
Experience in regulatory requirements for respective focus area
Fluent English language skills
Hands-on and “driving the change”-mindset
Reliable, solution-oriented, independent working method
Used to working under pressure / on tight deadlines
Stakeholder management for multiple tasks and good communication skills
Passionate about Credit and always wanted to improve “old fashioned” processes end-to-end with new approaches and technology
Nice to have:
Experience in advanced excel, Python, Tableau and/or HTML is a strong advantage
German language skills is a plus
What we offer:
Competitive salary and a variable remuneration program
Home office budget
Learning & development budget of €1000 per year and a transparent growth framework to support your career goals
Monthly meal allowance
Deutschland ticket subsidy
28 vacation days, increasing by 2 days after 2 years and 3 days after 3 years with Solaris
Opportunity to work abroad for up to 12 weeks per year
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