Credit Analyst Jobs Description


NATIONAL -BANK is one of Germany’s leading independent regional banks for discerning private and corporate customers as well as Credit Analysts and medium-sized institutional investors. With around 600 employees, we look after our customers at 18 locations in North Rhine-Westphalia.

Credit Analyst Jobs in ESSEN

Our local presence, personal proximity to our customers, and our region-specific know-how form the ideal basis for our exclusively customer-driven business model. Credit Analysts As an independent financial institution, we advise independently of agreements and product commitments. It is our aim to develop tailor-made solutions together with our customers.

1. Credit Analyst

Detail Table of This Job

Company Name

NATIONAL BANK Aktiengesellschaft

Job Title

Credit Analyst



Annual Salary

€50,000 – €66,000 per year

Employment Type

Full-time, home office possible 


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About This Company NATIONAL -BANK AG

NATIONAL-BANK AG is one of Germany’s leading independent regional banks for discerning private and corporate customers as well as medium-sized institutional investors. With around 600 employees, we look after our customers at 18 locations in North Rhine-Westphalia.

Reliable service and competent advice characterize our conservative commercial self-image. Our plan of action represents robustness and soundness. Around 5,200 owners are a sign of our independence, which we always feel committed to in their interests and those of our customers and employees.

In addition to offering competitive and customer group-specific financial solutions, individual advice and personal service are our special competitive features. The same applies to long-term customer relationships and maximum customer satisfaction.

We want to generate sustainable and above-average added value for our customers, shareholders, and employees in the long term.

Our brand – our values

There are Three values ​​that characterize us and therefore make up the core of our brand:


performance and commitment

Customers expect optimal solutions for their financial questions from us. That is the focus of our business. That is why we provide the best possible services when advising our customers. This achievement has a lot to do with the goal of our employees to always deliver the best. This also applies to our social and cultural commitment.

closeness and continuity

We share things in common with our customers. This affects our perspectives, our values ​​, and experiences. But we also mean that very specifically. We are where our customers are. And just like with good neighbors, we maintain an excellent relationship with our customers. We are close to them and we will remain so.

security and reliability

We traditionally pursue a business model based on security. We need to develop along with our clients. In this way, we can steer with a steady hand even through difficult waterways. Reliability is not a promise for us. It’s part of our character. It is, so to speak, our DNA. Safety and reliability have guided our business for 100 years. They determine our attitude and our behavior – and that’s how it should stay.

Corporate governance

Responsible and transparent corporate governance

Responsible and professional corporate governance has always had a very high priority in the bank. Therefore, the Supervisory Board and Management Board support the German Corporate Governance Code (DCGK) and the goals it pursues. In view of the fact that NATIONAL-BANK shares are deliberately not admitted to trading on a German stock exchange, the Management Board and Supervisory Board have decided to give the bank its own corporate governance code, which optimally takes into account the special features of a company that is not listed on the stock exchange and not oriented to the capital market. Our code is available for you to download on this page.

Your task

Credit Analysts are responsible for new business and portfolio processing in the individual lending business with corporate customers, freelancers, and private customers. You will analyze creditworthiness documents for potential and risk, check and evaluate financing concepts and create, vote, and approve loan templates. Supporting our customer advisors with complex commitments, including taking part in discussions with customers and investors, rounds off their demanding area of ​​responsibility.

We expect

  • Relevant professional experience in the analysis and processing of individual credit transactions

  • very good business knowledge

  • a strong analytical ability

  • a high level of risk awareness

  • decision-making ability

  • very good communication skills

  • high conflict and consensus skills

We offer

Credit Analysts have a secure job in a family-friendly company, varied tasks, a working atmosphere based on partnership, mobile working, and good remuneration in line with their qualifications.

Contact Person Info

Mr. Klaus Fiß is available to you for an initial contact on 0201 8115-422.

2. Credit Analyst Corporate


BANK.REAL.OTHER. That is our claim as an employer. For our corporate customer division, we are looking for people who, together with us, can offer individual financing solutions for the long-term success of upper medium-sized companies in the area of ​​CORPORATE & INSTITUTIONAL BANKING. Credit Analyst In addition to corporate customer business, we also focus on commercial real estate financing. Become part of this strong team! 

TARGOBANK employees are on average 11.6 years in the company. The longest period of employment is almost 47 years. 54% of employees are female. Over a quarter of TARGOBANK employees work part-time, and almost three-quarters full-time.

Detail Table of This Job

Company Name


Job Title

Credit Analyst Corporate




As soon as possible

Employment Type

Part-time, home office possible

Reference number



Apply Now

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About This Company TARGOBANK AG

That is our claim as an employer. We tick differently than typical bankers because we know exactly what it’s like to be a bank customer. Being there for our customers personally, supporting them, and advancing them privately and professionally – this is how we give our customers a tailwind. That’s why we’re not looking for typical bankers, but people who give us tailwind. People who listen, do things differently out of conviction and stand by what they say. Personalities who, as part of a team, take the opportunity to inspire our customers every day.

Our employees also get tailwind and freedom.

This is clearly reflected in our values: We live in flat hierarchies and simple, open, and honest cooperation. We attach great importance to team spirit and always communicate at eye level. We have a hands-on mentality and act in a solution-oriented manner. Reliability is important to us on our growth path. At the same time, as Credit Analyst, we offer security and stability for a successful professional future – as a subsidiary of Crédit Mutuel, one of the largest and financially strongest banks in Europe.

Together with our employees.

 we want to bring TARGOBANK further forward. Our goal is to offer private, business, and corporate customers simple, individual solutions. We want to dovetail banking in our branches, in the customer center, and online in the best possible way. This makes us one of the best omnichannel banks in Germany. We are already working for our customers across Germany with 7,500 employees at over 330 locations – in person, on the phone, or online.

Your tasks

  • Creation of loan templates and loan agreements in German and English, taking into account the legal and economic circumstances of our international corporate customers (large customers and upper medium-sized companies)

  • Management of existing credit commitments

  • Conducting credit assessments

  • Creation of ratings

  • Review and ongoing monitoring of collateral and financial covenants

  • Approval as well as initiation and implementation of credit approval procedures

  • Preparation and participation in analyst conferences

Your Profile

  • Successfully completed studies in economics

  • At least 3 years of professional experience in the commercial lending business of a universal bank with international business relationships

  • In-depth knowledge of classic banking products in corporate customer business

  • Experience in the field of balance sheet and credit analysis

  • Excellent analytical skills, very good writing skills

  • Initiative and willingness to work

  • Very good knowledge of German and English as well as good knowledge of French

What we offer

  • We offer a pension plan that is completely financed by the employer so that you can look to the future with peace of mind

  • The chance to telecommute for as long as two days every week

  • We know how important conscious breaks are. Therefore, you can look forward to 30 days of vacation per year with us

  • You enjoy numerous additional services. These include bike leasing, corporate benefits, offers for your health, and much more

  • A crisis-proof job in a high-performance company where your performance is valued and where your personal strengths are encouraged

Contact Person Info

Interested? Then we anticipate accepting your internet-based application. Please simply upload your curriculum vitae, job references from the last five years, and proof of your school, professional or university qualifications.

TARGOBANK stands for equal opportunities and diversity. We, therefore, welcome every application regardless of age, gender, religion or belief, sexual orientation, ethical origin, skin color, or disability.

Person Name: Martina Krüger

Company Name: TARGOBANK AG

Reference number: 115128

Location: CIB ESSEN


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