Description
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He is tasked with assessing and evaluating the risk of companies/dealers by preparing credit analysis and loan proposals, as well as reviewing loan structures and assigning credit risk ratings. In particular his activities are concentrated on the Intensified Loan Portfolio and Problem Loan Portfolio. Moreover the analyst is in charge of the activities regarding the Problem Loan Portfolio, rating 12, in collaboration with the Legal Department.
Roles and Duties – core business
Ensure that complete set of documents required for analyzing the credit application are submitted;
Prepare loan application and submission to Local Branch Manager and/or Central Credit Assessment (Hq’s) for approval.
Assess income statement, on and off balance sheet;
Perform ratio analysis and comparative corporate assessment;
Prepare accurate cash flow analysis in order to evaluate debt service ability of the borrower;
Assess and evaluate Credit bureau in particular Centrale Rischi Interbancaria;
Analyze collateral/guarantor in order to set the required % of unsecured for the lender;
Identify some of the early warning signs of financial statements;
Perform internal credit rating;
In case of long-term funding request, assess the key drivers of business planning;
Monitor credit approval documentation, reports and financial performance;
Quarterly monitoring of the customer in rating IL and PL;
Manage all aspects, front and back activities, regarding the customer with rating 10 and 11;
Manage customer in rating 12 in collaboration with the Legal Department;
Competences
University Degree
Personal flairs
Problem solving
Stress management
Flexibility
Proactive and good in team working
Company: VOLKSWAGEN BANK GMBH
Location: Milan, Milan, IT
Department: Financial Services and Insurances
Working Model: Full-time
Contract Type: Unlimited
Remote Working: By agreement
Posting Date: Mar 13, 2026
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