Junior Kreditanalyst; m​/w​/d

Join Ayvens

At Ayvens, progress starts with you. Our ambitions to shape the future of sustainable mobility are powered by our talent. Join us, and get better with every move.

Your onboarding… begins with our "Welcome Hour", in which you, together with all other new colleagues, will be greeted by the management and HR.

Your work and life balance… we support with our mobile working model. You have the possibility to work partially from home within flexible working hours, but we are also happy to see you in the office. For your vacation planning, you can count on 30 days off.

Your health… is important to us – therefore we offer you comprehensive insurance benefits as well as resilience workshops to strengthen your physical and mental health.

Your mobility… we promote through a travel cost subsidy for public transport, attractive car rental conditions, and other exciting mobility offers.

Our company culture… is characterized by our joint action. The constant demonstration of our values – authenticity, collaboration, curiosity, and commitment – is of great importance for this.

• An open feedback culture is an integral part of our everyday life, supported by our talent and performance management.
• We communicate transparently, among other things, in monthly all staff meetings and relaxed exchange talks in our "One Hour" with the management team.
• And of course, we also celebrate together at summer parties, Christmas parties, and are active together at sports events.

As a contact person for credit analysis, you will work for our credit management department in our main office in the Düsseldorfer Medienhafen. We are looking for candidates (m/w/d) nationwide who can work partially mobile or from the home office with regular office days in one of our branches and also have assignments in our main office in Düsseldorf with maximum flexibility.

• According to your professional knowledge, you will be responsible for the credit review of credit engagements of different complexity and work side by side with other credit analysts (m/w/d).
• You will also create, monitor, and renew ratings and make credit decisions.
• You form credit groups according to § 19 Abs. 2 KWG, in particular for million credit messages, and check legal changes in companies and their contractual effects.
• In view of this, you always have the requirement of the Money Laundering Act (Customer Due Diligence, Know Your Customer principle, identification of economically entitled persons) in mind and support the implementation and implementation of the requirements of the European Central Bank / Ayvens Group.

• Successfully completed economics degree or completed training as a banker (m/w/d) with (first) professional experience
• First to several years of practical experience in credit analysis, especially in commercial credit business
• Ideally experience in banking and/or financial services
• Knowledge in GwG (KYC/CDD), further related know-how in HGB, BGB is advantageous
• Very good communication skills in German and English in speech and writing
• Sovereign handling of the MS Office package

Ayvens is a leading global player for sustainable mobility with the goal:
Making life flow better. For decades, the company has been improving mobility and offers full-service leasing, flexible subscription services, fleet management, and multi-mobility solutions for international large companies, SMEs, freelancers, and private individuals. With more than 14,000 employees in 42 countries, 3.2 million vehicles, and the world's largest multibrand electric fleet, Ayvens uses its unique position to pave the way to net zero and drive the digital transformation of the mobility sector.

In Germany, Ayvens is one of the leading brands when it comes to manufacturer-independent and sustainable mobility services for commercial and private customers. In addition to the headquarters in Hamburg, Ayvens has a management seat in Düsseldorf and is represented at regional sales and used car locations. The company manages over 320,000 commercially used vehicles in Germany and employs almost 1,200 employees.

Lorena Galindo…