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Business and Credit Counselling Trainee Positions (Open to All Genders)

Commercial Client and Credit Advising Trainee Position (m/f/d) Sought by Sparkasse Erlangen Höchstadt Herzogenaurach. Explore available job opportunities and training on the Sparkassen-Finanzgruppe Job Exchange.

Business and Credit Counselling Trainee Positions (M/F/D) Available
Business and Credit Counselling Trainee Positions (M/F/D) Available

Business and Credit Counselling Trainee Positions (Open to All Genders)

A renowned company within the Sparkassen financial group is currently seeking a talented and ambitious individual for a full-time position in their Commercial Clients and Credit Advisory department (GKB). This role offers challenging and exciting key responsibilities, with a focus on managing and advising on credit exposure, capital commitments, and relationship returns with commercial clients.

The ideal candidate should possess a Bachelor’s or Master’s degree in Finance, Banking, Business Administration, or related fields, and have relevant experience in credit advisory, commercial lending, or relationship management within a banking or financial institution. Strong analytical skills, entrepreneurial thinking, team spirit, implementation strength, and openness to new things are also desired qualities. Good user knowledge of OSPlus and MS Office is beneficial.

Responsibilities include managing and advising on credit exposure, capital commitments, and relationship returns with commercial clients, collaborating with in-country, regional, and global banking and credit teams to ensure risk management and credit compliance, assessing creditworthiness and providing recommendations for loan approvals or credit limits, building and maintaining strong relationships with commercial clients to support business growth, and liaising with risk, compliance, and credit advisory teams to ensure adherence to regulatory and internal policies.

The role also involves supporting commercial credit processes using OSP_neo and OSP_Portal, working with specialists in various areas such as leasing, hire purchase, factoring, and debt management, supporting branches in the construction financing business, including structuring financing involving LBS and OMI, finding conditions, and providing technical support in application recording in OSP.

The company promotes a balanced work-life balance through flexible working hours and the possibility of mobile working. It also offers a secure and trustful working environment, active health management, healthy catering in its own canteen, a public transport subsidy, and bike/hardware leasing.

The company provides a competitive salary and performance incentives, professional development opportunities, health insurance, retirement plans, and an employer-financed company pension scheme. It also offers diverse training and career opportunities, including talent promotion programs.

Interested candidates can apply online via the job portal by 13.07.2025. For technical questions, contact department leader Stephan Thürauf (Tel. 09131 / 824-2440), and for questions about the application process, contact Johanna Zinsmeister (Tel. 09131 / 824-2111). The company will provide training in the different areas of responsibility, the duration of which will be adjusted individually based on previous experience.

For further information, visit the company's website or official careers page. Please note that this overview synthesizes typical requirements and responsibilities for similar roles, as specific details for this exact position were not found in the search results. For the most accurate job description and benefits package, consider contacting the company directly or visiting their official careers page.

The candidate, holding a degree in Finance, Banking, Business Administration, or related fields, should aim to leverage their experience in credit advisory, commercial lending, or relationship management to fulfill the role's responsibilities within the Commercial Clients and Credit Advisory department. In addition to strong analytical skills and entrepreneurial thinking, the individual should pursue education-and-self-development opportunities to foster career-development within the Sparkassen financial group.

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