Senior Credit Analyst - Risk Rating

Senior Credit Analyst

Here at Siemens, we take pride in enabling sustainable progress through technology. We do this through empowering customers by combining the real and digital worlds. Improving how we live, work, and move today and for the next generation! We know that the only way a business thrive is if our people are thriving. That’s why we always put our people first.

Our global, diverse team would be happy to support you and challenge you to grow in new ways. Who knows where our shared journey will take you?

We are seeking an energized Senior Credit Analyst primarily in the field of Cash Flow Financing. Risk Controlling – Risk Rating is part of the Siemens Financial Services, Inc (SFS) Risk Controlling function that is headquartered in Munich, Germany, which provides analytical expertise to all SFS’s Business Units and SFS Management, globally. Within Risk Controlling – Risk Rating Americas, you will evaluate the financial and business risks primarily of U.S. obligors across a wide range of industries.

You will provide independent and highly competent risk assessments. We are looking for a Senior Credit Analyst based out of Iselin, NJ.

• Independently evaluate financial and business risks, primarily of obligors within the Cash Flow Financing business sector
• Prepare high quality rating reports for new lending opportunities as well as for existing portfolio obligors
• Present analyses for approval to the Team leader and/or the Head of Risk Control-Risk Rating Americas, as determined by the validity amount
• Develop a comprehensive understanding of the SFS rating methodologies and how they relate to the cash flow financing analysis
• Aid in the ongoing monitoring of the creditworthiness of portfolio obligors on a timely basis
• Develop strong relationships with Risk Management to improve and maintain an efficient rating process
• Judiciously recommend and approve obligor ratings within rating authority, once delegated
• Actively cross-train, amongst the various rating disciplines, in order to assist in other areas if called upon to do so

• 8+ years of relevant work experience within the credit/rating analysis field
• Minimum 4-year college degree in either Finance, Accounting or Economics

• Deliver persuasive presentations and articulate financial insights with confidence
• Stay organized and manage time effectively in a fast-paced environment
• Collaborate seamlessly with teams and build strong relationships
• Analyze financial models and translate data into actionable recommendations
• Leverage technical expertise in Microsoft Excel and Word for financial reporting
• Craft clear, well-structured reports and analyses, ensuring accuracy and clarity in all written communication

• Siemens offers a variety of health and wellness benefits to our employees. Details regarding our benefits can be found here:
• The pay range for this position is $118,300 - $202,800 along with an incentive bonus. The actual wage offered may be lower or higher depending on budget and candidate experience, knowledge, skills, qualifications and premium geographic location.

We are a global technology company focused on industry, infrastructure, transport, and healthcare. From more resource-efficient factories, resilient supply chains, and smarter buildings and grids, to sustainable transportation as well as advanced healthcare, we create technology with purpose adding real value for customers. Learn more about Siemens here.

We value your unique identity and perspective. We are fully committed to providing equitable opportunities and building a workplace that reflects the diversity of society, while ensuring that we attract the best talent based on qualifications, skills, and experiences. We welcome you to bring your authentic self and transform the everyday with us.