Team Lead Credit Underwriting (dfm)

Solarisis a tech company with a full German banking license. Our Banking-as-a-Service platform enables businesses to offer their own financial products. With our straightforward APIs our partners can access and integrate a wide range of solutions such as digital banking payments cards identification and lending services. As a market leader we are driven by bringing transformational change to the financial services industry.

We love what we do and we love our team. We are 500 people from over 70 nationalities - a unique blend of techies fintech enthusiasts bankers and entrepreneurs from various industries. Our routines are built around genuinely valuing and exchanging different perspectives as well as actively sharing knowledge as we drive our business as a team. We believe and invest in personal growth.

Your Role

• Manual Underwriting:
  • Manual Underwriting of bond applications as well as credit above 100k notional to SME corporate and financial institutions.
  • Structure of credit transactions.
  • Assess and approve credit transactions in line with internal policies and external regulatory framework.
  • Perform optimize and maintain the credit approval process.

• Automated Underwriting:
  • Assist in setting criteria for Decision Engine.
  • Align conceptual consistency of underwriting principles.

• Annual review of credit risk exposures.
• Setup and running appropriate governance and documentation processes in accordance with regulatory requirements.
• Coach analytic team in keeping automated underwriting processes in sync with manual underwriting principles.
• Regular review and initiation of updates of applicable procedures to meet the regulator requirements.
• Provide support to internal and external auditors as and when needed.
• Coordinate remediation of audit findings and related information requests.
• Regular review and updates of applicable procedures.
• Train CRM and Solaris staff on credit risk principles.
• Project related tasks e.g. development of new loan products.
• Support Head of Credit Risk on special assignments projects or initiatives.

Wed love to see

Depending on your level of experience your responsibilities and scope of role will range. We dont care much about fancy titles but rather about real personal and professional development as laid out in our learning framework. Lets figure together out how you can contribute to our team.

• Educational degree or a comparable qualification ideally in banking business administration or similar field.
• 10 years of relevant work experience in credit risk management in a bank or financial institution.
• At least 5 years of experience in credit underwriting.
• Experience in transferring data-driven results into operational processes and decision making.
• Experience of financial products with respect to credit loans process setup and loan documentation processes credit risk management and/or credit structuring.
• Experience in regulatory requirements for respective focus area.
• Fluent German language skills and very good English language skills.
• Hands-on and driving the change mindset.
• Reliable solution-oriented independent working method.
• Used to working under pressure / on tight deadlines.
• Stakeholder management for multiple tasks and good communication skills.
• Strong interest in Credit risk field and always looking to improve old fashioned processes end-to-end with new approaches and technology.

Working Model

• Youre based in Berlin or willing to commute to Berlin for few days every month for stakeholders collaboration team projects etc.

Benefits

• Competitive salary and a variable remuneration program.
• Home office budget.
• Learning & development budget of 1000 per year and a transparent growth framework to support your career goals.
• Monthly meal allowance.
• Deutschland ticket subsidy.
• 28 vacation days increasing by 2 days after 2 years and 3 days after 3 years with Solaris.
• Opportunity towork abroad for up to 12 weeks per year.

While job ads usually paint an ideal picture of a candidate studies show that most applicants meet an average of 60% of the criteria. Unfortunately many promising candidates tend to apply only if they meet all the criteria. So if you think you have what it takes but dont necessarily meet every single item in the job description please contact us anyway. Wed love to talk with you and find out if you might be a good fit for us.

At Solaris we are committed to nurturing an inclusive environment where all Solarians feel valued respected and supported. We are dedicated to building a diverse workforce that reflects the diversity of our communities. We are committed to equal employment opportunity regardless of color ethnicity religion sex origin disability marital status citizenship or gender identity. We are proud to be an equal opportunity workplace. If you have a disability or special need that requires accommodation please let us on data processing:

DE: all recruitment agencies: Solaris does not accept unsolicited agency resumes. Please do not forward resumes to our jobs alias Solaris employees or any other venture in our ecosystem. Solaris is not responsible for any fees related to unsolicited resumes.