Description
I am a seasoned Corporate Credit Risk Manager with 6 years of experience evaluating the financial stability of large-cap enterprises and complex corporate groups. My expertise lies in dissecting consolidated financial statements, stress-testing cash flow projections, and structuring debt facilities that balance aggressive growth with prudent risk mitigation.
Chronology of Risk Management & Underwriting:
04.2019 - Present: Lead Risk Manager at a major German commercial bank in Munich. I manage the credit approval process for corporate exposures exceeding €50M. I analyze IFRS and HGB financials, assess industry-specific cyclicality, and evaluate complex collateral structures (syndicated loans, cross-guarantees). I authored the internal credit policy update for real estate development financing in 2022.
09.2016 - 03.2019: Credit Analyst at a multinational leasing corporation. Focused on equipment and aircraft leasing, calculating residual values and structuring lease-vs-buy models.
Risk Modeling & Financial Analysis:
- Credit Metrics: Probability of Default (PD), Loss Given Default (LGD), Expected Credit Loss (ECL) under IFRS 9, debt service coverage.
- Tools & Systems: Moody's RiskAnalyst, SAP Credit Risk Management, Advanced Excel (VBA for scenario modeling), SQL for data extraction.
- Frameworks: Basel III/IV capital adequacy, EBA guidelines on loan origination, internal rating-based (IRB) approaches.
I hold a Master of Science in Finance from the Technical University of Munich (TUM). I am highly analytical, uncompromising in my risk standards, and capable of presenting complex credit memos to the executive board. I am looking for a full-time, hybrid role in Munich.