Financing the future. We are more than Financial Services as we are turning ideas into reality. Be it the global transition to cleaner energy sources, the digitalization of manufacturing, the rapid development of smart infrastructure, mobility solutions and healthcare systems - financing is more crucial than ever. We make real what matters by combining our financial expertise with deep technical know-how to provide unique financial solutions. Do you want to play an essential role in helping build a better future? Are you also keen on turning established thinking on its head in the search for game-changing solutions that maximize value creation? Then join our team and let’s develop together what will be important tomorrow! With our "Extended Payment Term" (EPT) products, we offer our customers and partners solutions for the short-term financing of trade receivables via the extension of payment terms (“buy now – pay later” solutions for corporates) and support them in optimizing their working capital. The attractiveness and strategic importance are reflected in the continuous expansion and development of our EPT solutions, their structures and processes. What part will you play? As Credit Analyst Factoring (f/m/d) for our business segment EPT you can bring in your professional experience in the field of Risk Management in the Factoring business and actively contribute to the further development of our segment. Your tasks will be characterized by an attractive mix of credit analysis and underwriting as well as transaction and portfolio management. You predominantly perform risk assessments for our EPT Customers independently, monitor individual exposures and portfolios In the event of deviations from target values, you analyze the causes and develop countermeasures, e.g. by adjusting the decision criteria You analyze newly requested limits / transactions and determine ratings according to standardized procedures for commercial customers, exercise your decision-making authority in cooperation with Sales, and communicate and justify the decisions made You participate in contract negotiations with customers, partners and credit insurers and ensure compliance with obligations arising from contracts You assist with Collections activities such as sending reminders to customers, arranging deferral and payment agreements and liaising with legal advisors and the work-out team regarding processing of insolvencies There is also the possibility to participate in subprojects in a cross-functional and global segment environment in order to further develop our EPT products through a more global orientation and to design the product-specific processes for this purpose What you need to make real what matters. Successfully completed university degree in economics and/or vocational training together with qualified further education (e.g. “Bankfachwirt (f/m/d)”) At least 3 years of professional experience in a financial institution (bank or factoring company) in the corporate credit area, with a focus on invoice financing Experience in working on projects is desirable Very good knowledge in credit rating and balance sheet analysis Know how in receivables purchasing and credit risk processes (automated and manual) Experience in working in international settings would be beneficial Affinity for automated processes, structured and independent way of working, good time management skills German and English business fluent, other foreign languages are a plus What we offer. 2 to 3 days of mobile working per week as a global standard Attractive remuneration package Development opportunities for both personal and professional growth 30 leave days and a variety of flexible working models that allow time off for yourself and your family Share matching programs to become a shareholder of Siemens AG Find more benefits here Individual benefits are adapted to meet local legal regulations, the requirements of different job profiles, locations, and individual preferences. Make your mark in our exciting world at Siemens. As an equal-opportunity employer we are happy to consider applications from individuals with disabilities. www.siemens.com/careers - if you would like to find out more about jobs & careers at Siemens. FAQ - if you need further information on the application process. Organization: Siemens Financial Services Company: Siemens Bank GmbH Experience Level: Mid-level Professional Full / Part time: Either