About Company
Career.zycto is a dynamic and forward-thinking financial services firm dedicated to fostering robust economic growth within our community. We empower businesses to achieve their ambitions through tailored financial solutions and strategic partnerships. For a Commercial Lender, this means a vibrant environment rich with diverse client portfolios, opportunities to truly impact local enterprises, and a culture that champions professional development and innovative lending practices. We pride ourselves on building lasting relationships and driving prosperity, making us an ideal home for driven lending professionals seeking significant career contributions.
Job Description
Career.zycto is seeking a highly motivated and experienced Commercial Lender to join our thriving team in Cottbus. This is an unparalleled opportunity for a seasoned financial professional to significantly impact local economic development by providing essential capital to growing businesses. As a Commercial Lender with Career.zycto, you will be instrumental in fostering strong relationships with entrepreneurs and established companies across various sectors, understanding their unique financial needs, and crafting bespoke lending solutions that fuel their success. We believe in empowering our clients, and our lenders are at the forefront of this mission, acting as trusted advisors and strategic partners.
In this pivotal role, you will be responsible for the full lifecycle of commercial lending, from proactive business development and client acquisition to comprehensive financial analysis, meticulous underwriting, and diligent portfolio management. You will engage with prospective and existing clients to identify opportunities for commercial loans, lines of credit, and other financial products, ensuring alignment with both the client’s objectives and Career.zycto’s credit policies. Your expertise in evaluating credit risk, structuring complex deals, and negotiating favorable terms will be crucial in expanding our commercial lending footprint and contributing directly to our firm’s growth.
Career.zycto values a collaborative spirit and a commitment to excellence. You will work closely with our credit analysts, legal team, and other banking specialists to streamline processes and deliver exceptional client experiences. Beyond the numbers, we are looking for a relationship builder – someone who can cultivate enduring partnerships based on trust, transparency, and a deep understanding of the local market dynamics. This position offers a unique blend of autonomy and support, providing you with the resources and backing of a reputable financial institution while allowing you to drive your portfolio forward with entrepreneurial zeal. If you are passionate about helping businesses thrive, possess a keen analytical mind, and excel at building rapport, we encourage you to explore this exciting career path with Career.zycto. Join us in making a tangible difference in the Cottbus business community.
Key Responsibilities
- Develop, manage, and grow a diverse portfolio of commercial loan clients.
- Originate new commercial loans, including real estate, working capital, and equipment financing.
- Conduct thorough financial analysis and credit underwriting to assess client creditworthiness and risk.
- Structure loan terms and conditions that meet client needs while adhering to internal policies and regulatory requirements.
- Prepare and present comprehensive loan proposals to the credit committee for approval.
- Monitor loan performance, compliance with loan covenants, and identify potential risks or opportunities.
- Cultivate and maintain strong, long-term relationships with clients, acting as a trusted financial advisor.
- Actively cross-sell other banking products and services to meet client comprehensive financial needs.
- Stay abreast of market trends, economic conditions, and changes in commercial lending regulations.
- Participate in community and business development activities to enhance Career.zycto's presence.
Required Skills
- Bachelor's degree in Finance, Business Administration, Economics, or a related field.
- Minimum of 4 years of experience in commercial lending or corporate banking.
- Proven track record in business development and client relationship management.
- Strong financial analysis, credit underwriting, and risk assessment skills.
- Excellent communication, negotiation, and presentation abilities.
- Proficiency in financial software and CRM systems.
- Deep understanding of commercial lending products, services, and regulatory compliance.
- Ability to work independently, manage a pipeline effectively, and collaborate within a team environment.
Preferred Qualifications
- Master's degree or relevant professional certifications (e.g., CFA, CPA).
- Established network and deep understanding of the Cottbus business community.
- Experience with specific industry segments (e.g., manufacturing, technology, healthcare).
- Fluency in German is a plus, given the local business environment.
Perks & Benefits
- Competitive salary and attractive performance-based bonus structure.
- Comprehensive health, dental, and vision insurance package.
- Generous paid time off, including holidays and vacation days.
- Retirement savings plan with strong company matching contributions.
- Extensive professional development and continuing education opportunities.
- Employee assistance program for personal and professional support.
- Dynamic, supportive, and collaborative work environment.
- Clear pathways for career advancement and growth within the firm.
How to Apply
Interested candidates are invited to submit their detailed resume and a cover letter outlining their relevant experience and qualifications. Please click on the application link below to apply for this exciting opportunity.
