Credit Analyst at DNB Auto Finance Oy

Company: DNB Auto Finance Oy Application Deadline: 24.11.2024

Our people are the DNA of DNB. Since 1822, bright minds have worked together to find the best solutions for our customers. Today, DNB is much more than Norway’s largest bank, and a key player in the Norwegian economy. We are a technology driven financial institution, constantly adapting our operations and tailoring our services to the time we’re living in and to the future. In DNB, you’ll find a wide range of career opportunities in Norway and internationally. We are among the best companies in the world when it comes to gender equality, and we take good care of the diversity represented by the people who choose to work here.

DNB Auto Finance Oy
Credit Analyst
DNB Auto Finance Oy Finland is part of DNB, Norway's largest financial services group and one of the largest in the Nordic region in terms of market capitalization. DNB Auto Finance Oy focuses on online financing of new and used vehicles for consumers and business customers. Our product range includes hire purchase, financial leasing and dealer/car import for our customers, store warehouse financing and demo vehicle financing. For more information, please visit www.dnbautofinance.fi.

We are currently a team of 33 at Auto Finance Oy, and we are on the lookout for a sharp and dedicated Credit Analyst. You will join a credit team of 10 people and collaborate with colleagues in Finland and other Nordic countries.

About the role
DNB Auto Finance presents an exciting opportunity to join a supportive, dynamic, and low-hierarchy team. As a Credit Analyst, you will play a pivotal role in our business, where your proactive contributions will directly impact our success. Our growing organization offers a stimulating environment for professional development. You will work closely with Credit Controllers, handling loan applications from both private and corporate customers, and participate in their rotation for evenings and Saturdays.

Your tasks and responsibilities:

• Preparation of credit applications and credit risk analysis of individual corporate customers (mainly collaborating car dealers and car importers).
• Presenting credit cases in the Nordic Credit Committee.
• Follow-up and control of corporate limits, in regards or timelines and usage in Wholesale (DNB AF system where wholesale limits are operated).
• Taking part in the Nordic collaboration and providing Finland related data/information when needed on Nordic level, for example regarding Nordic wide partners.Credit decision making within individual authorization limit.
• Participation in the product and credit process development together with DNB team and partners.
• Monitor wholesale portfolio, related to product limits, product description and credit/operational risks.

About you
We are looking for someone who identifies with DNB’s core values: Customer first, Do the right thing, Get it done and One team. Our values guide the way we work and the decisions we make every day to meet both customer and compliance needs.

Your competency profile:

• Relevant degree in Business Administration or a similar field and at least 5 years of experience in the industry.
• Good knowledge of MS Office, especially Excel.
• Fluent in Finnish and English (knowledge of Swedish or Norwegian is a bonus) and enjoy working in cross-discipline teams in an international environment.
• Talent for thinking through and solving problems analytically, and presenting your findings clearly, both orally and in writing.
• Work well under pressure and set the bar high when it comes to risk management and compliance.
• Good at prioritizing, planning, and documenting your work, always holding your work to the highest standards.
• Integrity is key for you, and you stand firm in your well-reasoned opinions.

Please do not hesitate to get in touch with us if you are interested in learning more about us or the Credit Analyst role.

Location: Helsinki

Application deadline: 24.11.2024

Working language: English and Finnish

Working hours: 37h per week according to our opening hours: Mainly on weekdays between 8-19 and partly on Saturdays between 10-16 (on average one Saturday per month)

Contact: Yvonne Fjellvang, Head of Credit Department, email: [email protected]

DNB Auto Finance Oy needs employees from different backgrounds and with different qualifications. We are actively working with gender equality and diversity to be able to deliver on our long-term goals, and we therefore encourage applicants with all backgrounds to apply for the position.

In this job application process, you only need to upload your resume (CV) and briefly answer some job-related questions. Submitting a cover letter is not required but you can upload this under attachments if desired.

In DNB, we carry out background checks to verify that the information provided in your CV and other documentation is correct. Background checks are generally performed by an external independent third party. Former employers are typically contacted to check previous positions and periods of employment, while educational institutions are asked to confirm marks. No background check will be conducted without your prior consent, and you will receive more detailed information about this, if applicable. For positions that require an authorisation and/or approval of suitability, a police certificate of good conduct will be required.