Independent execution of operational credit risk management in the commercial area, including complex credit decisions within assigned approval powers (pouvoir)
Review and processing of financing applications in accordance with guidelines and identification of deviations
Provide second opinions (2nd vote) and/or approve financing applications in the commercial area, exercising significant credit approval authority
Decision-making within the internal early risk detection process of Steiermärkische Sparkasse
Ensure compliance with the risk strategy and relevant policies (e.g., rating, approval powers, AML)
Participate in projects and regional meetings to reduce risk, engage in professional exchange with sales units and contribute to workshops across the sector

Completed degree (Bachelor’s or Master’s) with a focus on Business Administration, Economics, International Business Processes, Banking and Insurance or similar
Relevant professional experience in the banking sector (commercial lending)
Very good German and English skills, both written and spoken
Ambition and interest in building business and banking expertise
Strong digital skills and confident use of bank-specific systems, MS Office (Excel, PowerPoint) and SAP
Analytical thinking, strong decision-making ability and excellent communication skills
Independent working style and strong risk awareness
Willingness to learn, resilience and team spirit

Credit Risk Manager, Commercial Customer Segment

Key skills