Senior Credit Analyst – Global Corporate Finance (d/m/f/x)

Mercedes-Benz Financial Services is one of the world's leading automotive financial services providers. As the financial services arm of the Mercedes-Benz Group, we support customers, dealer partners, and fleet operators in more than 40 countries with financing, leasing, and mobility solutions. Within Global Credit Risk Management, we are responsible for the global oversight and governance of credit risk across our corporate and dealer financing portfolios. Our decisions form the foundation for sustainable growth and long-term profitability in an international business environment.

Our Team – Global Credit Risk Underwriting

As part of our global Credit Risk team based in Stuttgart, Germany, you will serve as a key credit authority for complex and strategically important financing transactions across the Mercedes-Benz Financial Services organization. We assess, structure, and approve credit exposures that exceed the delegated authority of our international markets. In doing so, we collaborate closely with local credit teams, business units, external financing partners, and senior executives around the globe. Our scope covers everything from traditional corporate lending and dealer finance to structured finance, syndicated transactions, and complex fleet financing solutions. In addition, we play a central role in continuously enhancing global credit processes, methodologies, and digital risk management capabilities.

These challenges await you:

• Independently analyze, structure, and underwrite complex corporate, dealer, and structured finance transactions with international exposure
• Prepare high-quality credit recommendations and risk assessments for management and credit decision-making committees
• Conduct comprehensive credit risk evaluations of large and complex exposures, including financial statement analysis, cash flow assessment, industry evaluation, and transaction structuring reviews
• Support and manage strategically important financing transactions, acquisition financings, restructurings, and special situations
• Contribute to structured and syndicated financing transactions alongside banks and external financing partners
• Act as a central credit authority for transactions exceeding local credit approval mandates across international markets
• Prepare and present credit decisions and executive-level briefings to senior management and global credit committees
• Provide expert guidance, coaching, and support to international credit teams on complex risk-related matters
• Contribute to the enhancement of credit policies, rating methodologies, underwriting standards, and decision-making frameworks
• Support digitalization and automation initiatives within the global credit risk function
• Actively shape the global credit risk strategy and help ensure high portfolio quality and risk governance standards worldwide

What you bring to the table:

• University degree in Business Administration, Economics, Finance, Banking, or a related field
• Strong expertise in financial statement analysis, corporate credit analysis, and credit risk assessment
• In-depth understanding of credit structures, collateral concepts, covenant frameworks, and risk mitigation techniques
• Fluent English communication skills, both written and spoken; German language skills are advantageous but not required
• Excellent communication, presentation, and stakeholder management skills with the ability to interact confidently at senior management level
• Minimum of five years of relevant experience in credit underwriting, credit risk management, or corporate banking within a major commercial bank, international bank, leasing company, captive finance organization, or comparable financial institution
• Proven experience in Corporate Banking, Corporate Finance, Structured Finance, Leveraged Finance, Credit Risk Management, Workout, or Large Exposure Management
• Demonstrated track record in the analysis and approval of complex corporate credit transactions
• Experience working with international stakeholders and navigating decision-making processes within large organizations
• Exposure to syndicated lending, acquisition finance, or large-scale corporate lending transactions is highly desirable
• Experience presenting credit recommendations to senior management, credit committees, or comparable governance bodies

What Makes This Opportunity Unique

• Global headquarters role with international responsibility and visibility
• Credit approval authority for complex and strategically significant transactions
• Direct interaction with senior executives and global credit committees
• Subject matter leadership role without direct people management responsibility
• Excellent career development opportunities toward senior expert and leadership positions
• Competitive compensation package and comprehensive corporate benefits
• Opportunity to help shape the future of global credit risk management within one of the world's leading financial services organizations