Credit Associate

Are you motivated by analyzing credit data, uncovering patterns, and making insightful, data-driven decisions that drive business growth? DBT is looking for a curious and analytical Credit Associate to join our ambitious team. In this role, you’ll play a central part in managing and mitigating risk within our loan portfolio, with a particular focus on identifying and working proactively with non-performing companies — all within a dynamic, supportive, and data-driven environment.

About DBT

DBT was founded in 2017 with the ambition of giving small and medium-sized businesses better conditions to grow and succeed. DBT provides long-term corporate loans from SEK 5 million to Swedish limited companies across all industries. A broad in-house expertise, combined with an advanced platform for real-time data analysis, enables faster decision-making and deeper insights. DBT is part of NOBA Bank Group and is supported by the European Investment Fund (EIF). For more information, please visit www.dbt.se.

About the role

Novare Interim & Recruitment is assisting DBT in recruiting a Credit Associate. In this role, you will be a central part of our organization, serving as a cornerstone of our lending operations. You will act as a trusted business partner, leveraging your deep understanding of financial analysis and key business drivers to make data-driven, well-considered credit decisions at scale.

Key responsibilities include:

• Credit Monitoring — Proactively identify and actively work with non-performing loans. Assess routes ahead and take preemptive actions to reduce defaults and minimize credit losses, both from a hands-on, case-by-case perspective and through proactive, data-driven portfolio analysis to enhance efficient credit monitoring at scale. Drive the client dialogue directly, which requires strong people skills in addition to analytical ability.
• Credit Underwriting — Collaborate with colleagues within the Growth team to structure credit proposals and assess creditworthiness through deep expertise in financial analysis, both on a hands-on, case-by-case basis and through a proactive, data-driven portfolio lens.
• Operational excellence — Identify and execute opportunities to streamline and improve credit-related processes, enhancing the efficiency of workflows within DBT.

If you are passionate about financial analysis, credit management, and contributing to a dynamic lending environment, we invite you to join our team as a Credit Associate. Your insights and actions will be instrumental to our success and the sustainable growth of our business.

Who are we looking for 

At DBT, we believe in the power of teamwork and seek individuals who share our commitment to collaboration, innovation, and inclusion. We’re looking for a driven, relationship-focused professional who thrives in a fast-paced, growth-oriented environment. You have a curious and self-starting mindset, combined with strong analytical skills and an eye for detail. You enjoy working in a data-driven way, are comfortable diving deep into numbers and analyses, and translate insights into business decisions with a clear commercial understanding. We support ambition, encourage collaboration, and invest in both personal and professional growth.

To succeed in this role, we believe you have:

• A minimum of a bachelor’s degree (a master’s degree is a plus), preferably in Finance, Economics, or Engineering.
• At least 2 years of experience in Financial Due Diligence, Credit analysis, M&A or other fields where fundamental financial modeling has been integral to your daily responsibilities
• AI curious, you follow developments in AI and are enthusiastic about applying new tools to sharpen your analysis and improve workflows.
• Proficiency in PowerPoint and Excel.
• Excellent command of both Swedish and English in all forms of communication.

Furthermore, we believe you possess the following skills:

• Financial analysis: Strong ability to analyze financial reports, including balance sheets, income statements, and cash flow statements.
• Risk assessment: Ability to identify, evaluate, and mitigate potential risks associated with lending to growing SMEs.
• Attention to detail: Meticulous in reviewing financial data and detecting critical issues that may affect a customer’s creditworthiness.

At DBT Capital, we are committed to nurturing a culture that combines hard work, camaraderie, and respect. We empower individuals while offering robust team support, creating an entrepreneurial and challenging environment.

Application

For this recruitment, DBT is collaborating with Novare Interim & Recruitment. Please note that, in accordance with GDPR, we do not accept applications via email. If you have any questions about the position, please contact Louise Eriksson Hellstrand, louise.eriksson-hellstrand@novare.se.

We look forward to your application!