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- Tasks: Drive growth in our German lending portfolio by underwriting new loan applications.
- Company: Fiduciam is a fast-growing fintech lender transforming real estate lending across Europe.
- Benefits: Enjoy competitive pay, private medical insurance, and visa sponsorship for top talent.
- Why this job: Join a pioneering team, accelerate your career, and make a significant impact in a dynamic environment.
- Qualifications: Two years of underwriting experience, knowledge of the German property market, and strong analytical skills required.
- Other info: Work in a vibrant London office with rapid career growth potential.
The predicted salary is between 36000 - 60000 £ per year.
Fiduciam is an innovative, fast-growing fintech lender revolutionising bridging and development loans. Backed by top-tier institutional investors, we are expanding rapidly across the UK, Ireland, Netherlands, Germany and Spain. Our dynamic team is on a mission to transform real estate lending, underpinned by cutting-edge technology. For our growing German business, we are seeking a German ‘Lending & Development Analyst’ to join the team in London.
Your mission:
You will be the driving force behind growing our lending portfolio in Germany by underwriting new loan applications. You will assess loans on their merits, make underwriting decisions as to whether applications proceed to offer, and assist in overseeing an existing loan portfolio. You will report directly into the Head of Germany.
In this role, you will:
- Conduct financial analysis and due diligence of a wide variety of businesses in Germany;
- Analyse key items such as financial accounts, property valuations, credit searches, bank statements, and business appraisals to make informed lending decisions;
- Analyse construction/development budgets and appraisals;
- Price loans and determine terms, considering relevant risk and liquidity factors;
- Prepare and issue loan offers;
- Prepare detailed and analytical credit review papers and present the papers to the credit committee;
- Protect the company by having a good grasp of its policies, procedures and compliance guidelines and by having a good awareness of risk;
- Own your own loan book, assuring high standards of service and risk management;
- Partner closely with the Country Manager, Case Managers, solicitors, valuers and surveyors;
- Play an integral part in scaling Fiduciam to multi-billion success.
About you:
- Preferably two years or more of underwriting experience in the bridging, development or commercial lending sector;
- A knowledge of the German property market;
- A good understanding of assessing credit risk on loan applications, borrowing structures, RICS valuations, land registry records, reports on title and conveyancing and credit reports;
- Good writing, analytical and numerical skills;
- Highly organised, dedicated, and perform with attention to detail;
- A university degree with solid results (preferably in law, business or economics);
- Hands-on, motivated and proactive;
- An excellent communicator both written and verbal in English and German;
- Eager to learn and push your boundaries in a growing company;
- Enjoy working in an international environment;
- Proficient in Microsoft Office tools;
- Eligible to work in the UK.
What's in it for you:
- Unparalleled exposure working alongside seasoned finance veterans;
- Opportunity to lead and elevate the German client-driven business;
- Competitive compensation, including private medical insurance;
- Visa sponsorship available for top talent;
- An opportunity to accelerate your career by assuming a lot of responsibility in a meritocratic environment with little hierarchy and good intra-company career perspectives;
- Conveniently located office in the heart of London's vibrant fintech scene;
- Rapid career growth potential as we scale globally.
We are looking for someone with a good work ethic, plenty of enthusiasm and a personality that will fit within our diverse team. If interested, please send us your CV and cover letter to henrik.takkenberg@fiduciam.de.
Contact Detail:
Fiduciam Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land German Lending & Development Analyst
✨Tip Number 1
Familiarise yourself with the German property market and current lending trends. This knowledge will not only help you in interviews but also demonstrate your genuine interest in the role and the company.
✨Tip Number 2
Network with professionals in the fintech and lending sectors, especially those with experience in bridging and development loans. Attend industry events or join relevant online forums to make connections that could lead to valuable insights or referrals.
✨Tip Number 3
Brush up on your analytical skills, particularly in financial analysis and risk assessment. Being able to discuss specific methodologies or tools you’ve used in past roles can set you apart during discussions with the hiring team.
✨Tip Number 4
Prepare to showcase your communication skills in both English and German. Practising how to articulate complex financial concepts clearly and concisely will be crucial, especially when discussing loan applications and presenting to the credit committee.
We think you need these skills to ace German Lending & Development Analyst
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights relevant experience in underwriting, particularly in the bridging, development, or commercial lending sectors. Emphasise your knowledge of the German property market and any analytical skills that align with the job description.
Craft a Compelling Cover Letter: In your cover letter, express your enthusiasm for the role and the company. Mention specific reasons why you want to join Fiduciam and how your background makes you a perfect fit for the position. Use examples from your past experiences to demonstrate your skills.
Showcase Analytical Skills: Since the role involves financial analysis and due diligence, include examples of how you've successfully conducted similar analyses in previous roles. Highlight your attention to detail and ability to make informed decisions based on data.
Proofread Your Application: Before submitting your application, carefully proofread both your CV and cover letter. Check for any grammatical errors or typos, as these can create a negative impression. Ensure that your documents are well-structured and easy to read.
How to prepare for a job interview at Fiduciam
✨Research the Company
Before your interview, take some time to learn about Fiduciam's mission, values, and recent developments in the fintech space. Understanding their approach to bridging and development loans will help you align your answers with their goals.
✨Showcase Your Analytical Skills
As a Lending & Development Analyst, you'll need strong analytical abilities. Be prepared to discuss your experience with financial analysis, credit risk assessment, and any relevant tools or methodologies you've used in previous roles.
✨Prepare for Technical Questions
Expect questions related to underwriting processes, property valuations, and loan pricing. Brush up on your knowledge of the German property market and be ready to demonstrate your understanding of key concepts during the interview.
✨Demonstrate Cultural Fit
Fiduciam values a diverse team and a collaborative environment. Highlight your ability to work in international settings and your enthusiasm for contributing to a dynamic team. Share examples of how you've successfully collaborated with others in past roles.
