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- Tasks: Drive growth by underwriting loan applications and managing a loan portfolio in Germany.
- Company: Fiduciam is a fast-growing fintech lender transforming real estate lending across Europe.
- Benefits: Enjoy competitive pay, private medical insurance, and opportunities for rapid career growth.
- Why this job: Join an elite team, partner with visionary founders, 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: Visa sponsorship available for top talent; work in London's vibrant fintech scene.
The predicted salary is between 28800 - 48000 £ per year.
About us:
Fiduciam is an innovative, fast-growing fintech lender revolutionising bridging and development loans. Backed by top-tier institutional investors, we're 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. Learn more at www.fiduciam.co.uk.
Why join our team?
- Join a proven fintech pioneer entering rapid expansion mode having established a successful ten-year track record;
- Partner directly with visionary founders and help shape our future;
- Accelerate your career trajectory in a high-impact role;
- Be part of an elite team, whose principals have launched multiple successful platforms across financial services, and are proven innovators;
- Earn a competitive compensation package with private medical insurance, within a privately owned company whose leaders are passionate about investing in people and infrastructure for the long term;
- Make your mark as we scale across Europe and beyond.
Your mission:
You'll 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. You will also 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 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.
German Lending & Development Analyst employer: Fiduciam
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
Prepare to discuss specific examples of your underwriting experience, particularly any challenges you've faced and how you overcame them. This will showcase your problem-solving skills and ability to handle complex financial analyses.
✨Tip Number 4
Brush up on your analytical and numerical skills, as these are crucial for the role. Consider taking a short course or using online resources to enhance your proficiency in financial analysis and risk assessment.
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. Discuss how your background and skills make you a perfect fit for the position, and mention specific examples of your experience in financial analysis and risk assessment.
Showcase Language Proficiency: Since the role requires excellent communication skills in both English and German, ensure you highlight your language proficiency clearly in your application. Mention any relevant experiences where you used these languages professionally.
Demonstrate Attention to Detail: Given the nature of the role, it's crucial to showcase your attention to detail. Proofread your application materials thoroughly to avoid any errors, and consider including examples of how you've maintained high standards in previous roles.
How to prepare for a job interview at Fiduciam
✨Showcase Your Analytical Skills
As a Lending & Development Analyst, you'll need to demonstrate your ability to conduct thorough financial analysis. Be prepared to discuss specific examples from your past experience where you successfully assessed loan applications or conducted due diligence.
✨Understand the German Property Market
Familiarise yourself with the current trends and challenges in the German property market. This knowledge will not only impress your interviewers but also show that you're genuinely interested in the role and the company’s mission.
✨Communicate Effectively in Both Languages
Since the role requires proficiency in both English and German, practice articulating your thoughts clearly in both languages. You might be asked to switch between languages during the interview, so being comfortable in both is key.
✨Demonstrate Your Team Spirit
Fiduciam values collaboration, so be ready to share examples of how you've worked effectively within a team. Highlight your ability to partner with various stakeholders, such as case managers and solicitors, to achieve common goals.
