About Company
Career.zycto is revolutionizing financial partnerships, empowering businesses to thrive through strategic capital solutions. We champion an environment where visionary commercial lenders can truly make an impact, leveraging their expertise to forge lasting client relationships and drive economic growth. Our collaborative culture, combined with cutting-edge tools, provides the perfect platform to expand your portfolio and advance your career. Join a team dedicated to excellence and innovation, shaping the future of finance in Augsburg and beyond.
Job Description
Are you a driven Commercial Lender with a proven track record of cultivating strong client relationships and executing strategic financial solutions? Career.zycto is actively seeking an experienced and dynamic Commercial Lender to join our thriving team in Lechhausen, Augsburg. This is an exceptional opportunity for a professional eager to make a significant impact by partnering with local businesses, understanding their unique financial needs, and providing tailored lending solutions that fuel their growth and success. We believe in empowering our team members to take ownership and innovate, providing them with the resources and support needed to excel.
As a Commercial Lender at Career.zycto, you will be at the forefront of our client engagement, serving as a trusted advisor and a key point of contact for our diverse commercial client base. Your role will involve more than just processing loans; you will be instrumental in building long-term, mutually beneficial relationships, identifying new business opportunities, and navigating the complexities of commercial finance with expertise and integrity. We are looking for someone who thrives in a fast-paced environment, possesses an analytical mind, and is passionate about helping businesses achieve their full potential, contributing directly to the economic vitality of the region.
You will be responsible for the entire loan lifecycle, from initial prospecting and client consultation to meticulous financial analysis, robust credit underwriting, creative loan structuring, and diligent ongoing portfolio management. A deep understanding of local market dynamics, meticulous risk assessment, and unyielding commitment to regulatory compliance will be paramount in every aspect of your work. Beyond managing your individual portfolio, you will collaborate closely with various internal teams, including credit analysts, legal counsel, and treasury services, to ensure comprehensive and integrated financial solutions for our clients. Career.zycto prides itself on fostering a supportive and innovative culture where your contributions are not just valued but celebrated, and your professional growth is actively encouraged through continuous learning and development pathways. If you are ready to elevate your career, leverage your expertise in a challenging yet rewarding environment, and contribute significantly to the economic landscape of the Augsburg region, we invite you to explore this exciting opportunity. Join us in shaping the financial future of businesses in Lechhausen and beyond.
Key Responsibilities
- Cultivate and manage a diverse portfolio of commercial clients, fostering strong, lasting relationships.
- Originate, structure, and underwrite complex commercial loans and credit facilities.
- Conduct thorough financial analysis, risk assessments, and due diligence on prospective and existing clients.
- Develop and present comprehensive loan proposals and credit recommendations to senior management.
- Actively prospect for new business opportunities and expand the company's market presence in the Augsburg region.
- Monitor market trends, economic conditions, and the competitive landscape to identify potential risks and opportunities.
- Ensure strict compliance with all internal credit policies, banking regulations, and legal requirements.
- Collaborate effectively with internal teams, including credit, legal, and operations, to deliver integrated client solutions.
- Provide expert financial advice and guidance to clients, acting as a trusted business partner.
Required Skills
- Minimum of 4 years of progressive experience in commercial lending or banking.
- Strong proficiency in financial analysis, credit underwriting, and risk management.
- Exceptional communication, negotiation, and presentation skills (verbal and written).
- Demonstrated ability to build and maintain strong client relationships.
- In-depth understanding of commercial credit products, policies, and procedures.
- Proficiency in financial modeling and relevant banking software.
- Fluent in both German and English (oral and written).
- Bachelor's degree in Finance, Business Administration, Economics, or a related field.
Preferred Qualifications
- Master's degree or advanced certification (e.g., CFA, industry-specific credit training).
- Established network of local business contacts and referral sources within the Augsburg market.
- Experience with CRM systems and loan origination platforms.
- Proven track record of exceeding lending targets and growing a commercial portfolio.
Perks & Benefits
- Competitive salary package with performance-based bonuses.
- Comprehensive health, dental, and vision insurance plans.
- Generous retirement savings plan with company match.
- Extensive professional development and continuous learning opportunities.
- Paid time off, including vacation, sick leave, and public holidays.
- Collaborative, supportive, and dynamic work environment.
- Opportunities for career advancement within a growing and reputable firm.
- Employee assistance programs and wellness initiatives.
How to Apply
Interested candidates are invited to submit their comprehensive application, including a cover letter outlining their experience and suitability for this role, along with their detailed CV, by clicking the application link below. We look forward to reviewing your qualifications and potentially welcoming you to our team.
