[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"seo-content-expertise-credit-risk-management-de":3,"job-search-\u002Fde-de\u002Fjobs-by-expertise\u002Fcredit-risk-management?page=2":33,"expertise-filters-\u002Fde-de\u002Fjobs-by-expertise\u002Fcredit-risk-management?page=2":236,"featured-jobs-\u002Fde-de\u002Fjobs-by-expertise\u002Fcredit-risk-management?page=2":394},{"image_path":4,"content_de":5,"content_en":18,"composite_key":31,"last_updated":32},"\u002Fimages\u002Fexpertise\u002Fcredit-risk-management.webp",{"tab1":6,"tab2":9,"tab3":12,"tab4":15},{"title":7,"content":8},"Bedeutung & Relevanz","Das [Credit Risk Management](\u002Fjobs-by-expertise\u002Fcredit-risk-management) ist ein entscheidender Bestandteil des [Banking](\u002Fjobs-by-industry\u002Fbanking) und der [Financial Services](\u002Fjobs-by-industry\u002Ffinancial-services) in [Deutschland](\u002Fsearch). Es gewährleistet die Stabilität des Finanzsystems, indem es Kreditausfallrisiken identifiziert, bewertet und steuert. In Zeiten wirtschaftlicher Unsicherheit, wie sie durch globale Märkte oder regulatorische Änderungen entstehen, ist ein robustes [Credit Risk Management](\u002Fjobs-by-expertise\u002Fcredit-risk-management) unerlässlich, um Verluste zu minimieren und das Vertrauen der Anleger zu erhalten. Unternehmen wie [Deutsche Pfandbriefbank AG](\u002Fcompany\u002Fdeutsche-pfandbriefbank-ag) und [MLP Banking AG](\u002Fcompany\u002Fmlp-banking-ag) setzen auf fortschrittliche Methoden, um Risiken proaktiv zu managen und wettbewerbsfähig zu bleiben. Dies trägt zur gesamtwirtschaftlichen Resilienz bei und unterstützt nachhaltiges Wachstum in Schlüsselregionen wie [Garching bei München](\u002Fjobs-in-garching-bei-muenchen) und [Wiesloch](\u002Fjobs-in-wiesloch).",{"title":10,"content":11},"Top-Branchen & Standorte","In [Deutschland](\u002Fsearch) ist das [Credit Risk Management](\u002Fjobs-by-expertise\u002Fcredit-risk-management) besonders in Branchen wie [Financial Services](\u002Fjobs-by-industry\u002Ffinancial-services), [Finance](\u002Fjobs-by-industry\u002Ffinance), [Banking and Finance](\u002Fjobs-by-industry\u002Fbanking-and-finance) und [Real Estate Finance](\u002Fjobs-by-industry\u002Freal-estate-finance) gefragt. Top-Standorte mit hoher Nachfrage sind [Garching bei München](\u002Fjobs-in-garching-bei-muenchen), bekannt für seine Innovationskraft und Nähe zu Finanzzentren, sowie [Wiesloch](\u002Fjobs-in-wiesloch), das eine wachsende Finanzbranche beherbergt. Diese Orte bieten vielfältige Möglichkeiten für Fachkräfte, da sie sich auf [Asset Management](\u002Fjobs-by-industry\u002Fasset-management) und [Investment Banking](\u002Fjobs-by-industry\u002Finvestment-banking) konzentrieren. Die Integration von [Credit Risk Management](\u002Fjobs-by-expertise\u002Fcredit-risk-management) in diese [Industrien](\u002Fjobs-by-industry) hilft, Risiken in komplexen Finanzprodukten zu bewältigen und die regionale Wirtschaft zu stärken.",{"title":13,"content":14},"Gefragte Skills & Arbeitgeber","Führende Unternehmen wie [Deutsche Pfandbriefbank AG](\u002Fcompany\u002Fdeutsche-pfandbriefbank-ag) und [MLP Banking AG](\u002Fcompany\u002Fmlp-banking-ag) suchen in [Deutschland](\u002Fsearch) nach Experten mit Kenntnissen in [Risk Controlling](\u002Fjobs-by-expertise\u002Frisk-controlling), [Stress Testing](\u002Fjobs-by-expertise\u002Fstress-testing), [Regulatory Compliance](\u002Fjobs-by-expertise\u002Fregulatory-compliance), [Capital Planning](\u002Fjobs-by-expertise\u002Fcapital-planning), [Validation of Risk Types](\u002Fjobs-by-expertise\u002Fvalidation-of-risk-types), [Project Work](\u002Fjobs-by-expertise\u002Fproject-work), [Consulting](\u002Fjobs-by-expertise\u002Fconsulting), [Cash Flow Modelling](\u002Fjobs-by-expertise\u002Fcash-flow-modelling), [Portfolio Analysis](\u002Fjobs-by-expertise\u002Fportfolio-analysis), [Margin and Condition Calculations](\u002Fjobs-by-expertise\u002Fmargin-and-condition-calculations), [Property Valuation](\u002Fjobs-by-expertise\u002Fproperty-valuation), [Financial Analysis](\u002Fjobs-by-expertise\u002Ffinancial-analysis), [Cash Flow Modeling](\u002Fjobs-by-expertise\u002Fcash-flow-modeling), [Internal Ratings](\u002Fjobs-by-expertise\u002Finternal-ratings), [Financial and Balance Sheet Analysis](\u002Fjobs-by-expertise\u002Ffinancial-and-balance-sheet-analysis), [Cash Flow Calculations](\u002Fjobs-by-expertise\u002Fcash-flow-calculations) und [Real Estate Financing](\u002Fjobs-by-expertise\u002Freal-estate-financing). Diese [Expertisen](\u002Fjobs-by-expertise) sind essenziell, um Kreditrisiken effektiv zu steuern und regulatorische Anforderungen zu erfüllen, was die Stabilität und Effizienz in der [Banking](\u002Fjobs-by-industry\u002Fbanking)-Branche fördert.",{"title":16,"content":17},"Karriere & Entwicklung","Karrierewege im [Credit Risk Management](\u002Fjobs-by-expertise\u002Fcredit-risk-management) in [Deutschland](\u002Fsearch) umfassen Rollen wie Risk Analyst, Controller oder Consultant, mit Aufstiegsmöglichkeiten zu leitenden Positionen. Um diese Fähigkeiten zu erlernen, sind Fortbildungen in [Risk Controlling](\u002Fjobs-by-expertise\u002Frisk-controlling), [Financial Analysis](\u002Fjobs-by-expertise\u002Ffinancial-analysis) und [Regulatory Compliance](\u002Fjobs-by-expertise\u002Fregulatory-compliance) empfehlenswert, ergänzt durch IT-Kenntnisse in [MS Excel](\u002Fjobs-by-skill\u002Fms-excel), [MS Office](\u002Fjobs-by-skill\u002Fms-office), [Agree21](\u002Fjobs-by-skill\u002Fagree21), [VR-Control KRM](\u002Fjobs-by-skill\u002Fvr-control-krm) und [SAP FI](\u002Fjobs-by-skill\u002Fsap-fi). Praktische Erfahrung in [Project Work](\u002Fjobs-by-expertise\u002Fproject-work) und [Consulting](\u002Fjobs-by-expertise\u002Fconsulting) hilft, das Verständnis für [Cash Flow Modelling](\u002Fjobs-by-expertise\u002Fcash-flow-modelling) und [Portfolio Analysis](\u002Fjobs-by-expertise\u002Fportfolio-analysis) zu vertiefen. Kontinuierliches Lernen und Zertifizierungen können die Karriereentwicklung beschleunigen und die Attraktivität für Arbeitgeber in [Financial Services](\u002Fjobs-by-industry\u002Ffinancial-services) steigern.",{"tab1":19,"tab2":22,"tab3":25,"tab4":28},{"title":20,"content":21},"Strategic Importance","Credit Risk Management is a cornerstone of financial stability in [Deutschland](\u002Fsearch), playing a vital role in safeguarding the economy against defaults and financial crises. In a country with a robust banking sector and a strong emphasis on regulatory compliance, effective credit risk practices ensure that institutions like [Deutsche Pfandbriefbank AG](\u002Fcompany\u002Fdeutsche-pfandbriefbank-ag) and [MLP Banking AG](\u002Fcompany\u002Fmlp-banking-ag) can navigate economic uncertainties while maintaining trust. This expertise is crucial for mitigating losses, optimizing capital allocation, and adhering to stringent regulations such as Basel III, which are rigorously enforced across [Deutschland](\u002Fsearch)'s financial landscape. By focusing on areas like [risk controlling](\u002Fjobs-by-expertise\u002Frisk-controlling) and [stress testing](\u002Fjobs-by-expertise\u002Fstress-testing), professionals help prevent systemic risks, supporting sustainable growth in key industries like [banking and finance](\u002Fjobs-by-industry\u002Fbanking-and-finance) and [real estate finance](\u002Fjobs-by-industry\u002Freal-estate-finance).",{"title":23,"content":24},"Top Industries & Locations","In [Deutschland](\u002Fsearch), Credit Risk Management is highly sought after in industries such as [financial services](\u002Fjobs-by-industry\u002Ffinancial-services), [finance](\u002Fjobs-by-industry\u002Ffinance), [banking and finance](\u002Fjobs-by-industry\u002Fbanking-and-finance), and [real estate finance](\u002Fjobs-by-industry\u002Freal-estate-finance). Top locations for these roles include [Garching bei München](\u002Fjobs-in-garching-bei-muenchen) and [Wiesloch](\u002Fjobs-in-wiesloch), which are hubs for financial innovation and regulatory activities. These areas offer abundant opportunities due to their proximity to major financial institutions and a focus on advanced risk management practices. Professionals here contribute to robust credit assessment frameworks, essential for maintaining the integrity of [Deutschland](\u002Fsearch)'s economic infrastructure.",{"title":26,"content":27},"In-Demand Skills & Employers","Employers in [Deutschland](\u002Fsearch), including [Deutsche Pfandbriefbank AG](\u002Fcompany\u002Fdeutsche-pfandbriefbank-ag) and [MLP Banking AG](\u002Fcompany\u002Fmlp-banking-ag), seek expertise in areas like [risk controlling](\u002Fjobs-by-expertise\u002Frisk-controlling), [stress testing](\u002Fjobs-by-expertise\u002Fstress-testing), [regulatory compliance](\u002Fjobs-by-expertise\u002Fregulatory-compliance), [capital planning](\u002Fjobs-by-expertise\u002Fcapital-planning), and [financial analysis](\u002Fjobs-by-expertise\u002Ffinancial-analysis). Additional key skills involve [validation of risk types](\u002Fjobs-by-expertise\u002Fvalidation-of-risk-types), [project work](\u002Fjobs-by-expertise\u002Fproject-work), [consulting](\u002Fjobs-by-expertise\u002Fconsulting), [cash flow modelling](\u002Fjobs-by-expertise\u002Fcash-flow-modelling), [portfolio analysis](\u002Fjobs-by-expertise\u002Fportfolio-analysis), and [real estate financing](\u002Fjobs-by-expertise\u002Freal-estate-financing). These competencies ensure effective credit risk mitigation and alignment with [Deutschland](\u002Fsearch)'s regulatory standards, making professionals invaluable in roles that demand precision and analytical depth.",{"title":29,"content":30},"Career & Development","A career in Credit Risk Management in [Deutschland](\u002Fsearch) often starts with roles in [risk controlling](\u002Fjobs-by-expertise\u002Frisk-controlling) or [financial analysis](\u002Fjobs-by-expertise\u002Ffinancial-analysis), progressing to senior positions through experience in [stress testing](\u002Fjobs-by-expertise\u002Fstress-testing) and [regulatory compliance](\u002Fjobs-by-expertise\u002Fregulatory-compliance). To excel, develop IT skills like [MS Excel](\u002Fjobs-by-skill\u002Fms-excel), [MS Office](\u002Fjobs-by-skill\u002Fms-office), [Agree21](\u002Fjobs-by-skill\u002Fagree21), [VR-Control KRM](\u002Fjobs-by-skill\u002Fvr-control-krm), and [SAP FI](\u002Fjobs-by-skill\u002Fsap-fi). Continuous learning through certifications and on-the-job training in areas such as [cash flow modeling](\u002Fjobs-by-expertise\u002Fcash-flow-modeling) and [portfolio analysis](\u002Fjobs-by-expertise\u002Fportfolio-analysis) is essential for advancement in [Deutschland](\u002Fsearch)'s competitive financial sector.","expertise:credit-risk-management:de","2026-08-17T09:10:19.537131+02:00",{"total":34,"jobs":35},27,[36,81,107,132,160,187,209],{"id":37,"slug":38,"title":39,"raw_title":40,"is_featured":41,"company":42,"raw_hiringOrganization_logo_url":46,"processed_city_gmaps":47,"processed_country_iso_code_gmaps":49,"processed_home_office":51,"processed_salary_min":52,"processed_salary_max":53,"processed_salary_currency":54,"processed_salary_source":55,"processed_working_hours":56,"processed_employment_types":58,"processed_it_skills":59,"processed_it_skills_labels":62,"processed_job_expertise_skills":65,"processed_job_expertise_skills_labels":67,"max_cpc":80,"actual_cpc":80},48174,"kreditanalyst-commercial-real-estate-im-bankenwesen-mwd-in-vollzeit-airbus-bank-gmbh","Kreditanalyst Commercial Real Estate im Bankenwesen (m\u002Fw\u002Fd) in Vollzeit",null,false,{"name":43,"slug":44,"logo_url":45},"Airbus Bank GmbH","airbus-bank-gmbh","https:\u002F\u002Fwww.airbusbank.com\u002Ffileadmin\u002F_processed_\u002F0\u002F5\u002Fcsm_airbusbank_logo-1701452459_4a89d60afa.png","",[48],"München",[50],"DE","hybrid",70000,100000,"EUR","estimated",[57],"FULL_TIME","permanent",{"agree21":60,"ms office":61},2,3,[63,64],"MS Office","Agree21",{"project financing":66,"rating procedures":66,"financial analysis":66,"process development":61,"contract negotiation":61,"portfolio monitoring":66,"structured financing":66,"collateral evaluation":61,"real estate financing":66,"credit decision making":66,"credit risk management":66,"balance sheet analysis (hgb and ifrs)":66},4,[68,69,70,71,72,73,74,75,76,77,78,79],"Credit risk management","Real estate financing","Project financing","Structured financing","Financial analysis","Balance sheet analysis (HGB and IFRS)","Rating procedures","Credit decision making","Portfolio monitoring","Contract negotiation","Collateral evaluation","Process development",1,{"id":82,"slug":83,"title":84,"raw_title":40,"is_featured":41,"company":85,"raw_hiringOrganization_logo_url":40,"processed_city_gmaps":88,"processed_country_iso_code_gmaps":90,"processed_home_office":91,"processed_salary_min":92,"processed_salary_max":93,"processed_salary_currency":54,"processed_salary_source":55,"processed_working_hours":94,"processed_employment_types":95,"processed_it_skills":96,"processed_it_skills_labels":97,"processed_job_expertise_skills":99,"processed_job_expertise_skills_labels":100,"max_cpc":80,"actual_cpc":80},44672,"recovery-manager-mfd-limited-2-years-contract-seb-kort-germany-branch-of-seb-kort-bank-ab","Recovery Manager (m\u002Ff\u002Fd) -  limited 2 years contract",{"name":86,"slug":87,"logo_url":40},"SEB Kort Germany, Branch of SEB Kort Bank AB","seb-kort-germany-branch-of-seb-kort-bank-ab",[89],"Neu-Isenburg",[50],"onsite",45000,60000,[57],"temporary",{"microsoft excel":61},[98],"Microsoft Excel",{"reporting":61,"collections":61,"data analysis":61,"accounts receivable":61,"recovery management":61,"credit risk management":61},[101,102,103,104,105,106],"Accounts Receivable","Collections","Credit Risk Management","Recovery Management","Data Analysis","Reporting",{"id":108,"slug":109,"title":110,"raw_title":40,"is_featured":41,"company":111,"raw_hiringOrganization_logo_url":115,"processed_city_gmaps":116,"processed_country_iso_code_gmaps":118,"processed_home_office":51,"processed_salary_min":119,"processed_salary_max":120,"processed_salary_currency":54,"processed_salary_source":55,"processed_working_hours":121,"processed_employment_types":58,"processed_it_skills":122,"processed_it_skills_labels":123,"processed_job_expertise_skills":125,"processed_job_expertise_skills_labels":126,"max_cpc":80,"actual_cpc":80},50022,"abteilungsleiter-mwd-in-unserer-abteilung-gewerbekunden-und-heilberufe-sparkasse-essen","Abteilungsleiter (m\u002Fw\u002Fd) in unserer Abteilung Gewerbekunden und Heilberufe",{"name":112,"slug":113,"logo_url":114},"Sparkasse Essen","sparkasse-essen","\u002Fimages\u002Flogos\u002Fsparkasse-essen-logo.svg","https:\u002F\u002Finstitute-logos.sparkasse.de\u002F36050105.svg",[117],"Essen",[50],80000,110000,[57],{"ms office":61,"banking software":61},[63,124],"Banking software",{"market analysis":61,"sales management":66,"portfolio management":66,"process optimization":66,"credit risk management":66,"business administration":66},[127,68,128,129,130,131],"Business administration","Sales management","Portfolio management","Market analysis","Process optimization",{"id":133,"slug":134,"title":135,"raw_title":40,"is_featured":41,"company":136,"raw_hiringOrganization_logo_url":140,"processed_city_gmaps":141,"processed_country_iso_code_gmaps":143,"processed_home_office":51,"processed_salary_min":93,"processed_salary_max":119,"processed_salary_currency":54,"processed_salary_source":55,"processed_working_hours":144,"processed_employment_types":58,"processed_it_skills":146,"processed_it_skills_labels":147,"processed_job_expertise_skills":150,"processed_job_expertise_skills_labels":151,"max_cpc":80,"actual_cpc":80},49983,"revisor-mwd-fuer-den-schwerpunkt-kreditgeschaeft-sparkasse-amberg-sulzbach","Revisor (m\u002Fw\u002Fd) für den Schwerpunkt Kreditgeschäft",{"name":137,"slug":138,"logo_url":139},"Sparkasse Amberg-Sulzbach","sparkasse-amberg-sulzbach","\u002Fimages\u002Flogos\u002Fsparkasse-amberg-sulzbach-logo.svg","https:\u002F\u002Finstitute-logos.sparkasse.de\u002F75250000.svg",[142],"Amberg",[50],[57,145],"PART_TIME",{"it applications":61,"digital solutions":61},[148,149],"IT Applications","Digital Solutions",{"auditing":66,"advisory skills":61,"credit business":66,"marisk compliance":66,"project management":61,"process optimization":61,"credit risk management":66,"internal control systems":66,"annual financial statement auditing":66},[152,153,154,155,103,156,157,158,159],"Credit Business","Auditing","Annual Financial Statement Auditing","MaRisk Compliance","Internal Control Systems","Process Optimization","Project Management","Advisory Skills",{"id":161,"slug":162,"title":163,"raw_title":40,"is_featured":41,"company":164,"raw_hiringOrganization_logo_url":40,"processed_city_gmaps":167,"processed_country_iso_code_gmaps":169,"processed_home_office":91,"processed_salary_min":170,"processed_salary_max":171,"processed_salary_currency":54,"processed_salary_source":55,"processed_working_hours":172,"processed_employment_types":58,"processed_it_skills":173,"processed_it_skills_labels":174,"processed_job_expertise_skills":175,"processed_job_expertise_skills_labels":176,"max_cpc":80,"actual_cpc":80},33561,"spezialist-restrukturierung-sanierung-im-kreditrisikomanagement-mwd-dortmunder-volksbank-eg","Spezialist Restrukturierung & Sanierung im Kreditrisikomanagement (m\u002Fw\u002Fd)",{"name":165,"slug":166,"logo_url":40},"Dortmunder Volksbank eG","dortmunder-volksbank-eg",[168],"Dortmund",[50],55000,75000,[57],{},[],{"restructuring":66,"rehabilitation":66,"dunning process":61,"status reporting":66,"economic analysis":66,"collateral evaluation":66,"credit risk management":66,"stabilization measures":61,"intensive\u002Fproblem loan management":66,"analysis of distressed engagements":66,"monitoring restructuring strategies":66,"review of restructuring reports (idw s6)":66},[177,178,68,179,78,180,181,182,183,184,185,186],"Restructuring","Rehabilitation","Analysis of distressed engagements","Monitoring restructuring strategies","Status reporting","Review of restructuring reports (IDW S6)","Dunning process","Stabilization measures","Intensive\u002Fproblem loan management","Economic analysis",{"id":188,"slug":189,"title":190,"raw_title":40,"is_featured":41,"company":191,"raw_hiringOrganization_logo_url":40,"processed_city_gmaps":195,"processed_country_iso_code_gmaps":196,"processed_home_office":51,"processed_salary_min":93,"processed_salary_max":197,"processed_salary_currency":54,"processed_salary_source":55,"processed_working_hours":198,"processed_employment_types":58,"processed_it_skills":199,"processed_it_skills_labels":200,"processed_job_expertise_skills":201,"processed_job_expertise_skills_labels":202,"max_cpc":80,"actual_cpc":80},32544,"referent-mwd-intensivbetreuung-spezialist-lbs-sued","Referent (m\u002Fw\u002Fd) Intensivbetreuung (Spezialist)",{"name":192,"slug":193,"logo_url":194},"LBS Süd","lbs-sued","\u002Fimages\u002Flogos\u002Flbs-sued-logo.svg",[48],[50],85000,[57],{},[],{"reporting":61,"negotiation":61,"default measurement":66,"collateral valuation":66,"forbearance measures":66,"credit risk management":66,"analysis and assessment":66,"restructuring and intensive care":66},[68,203,204,205,206,106,207,208],"Restructuring and intensive care","Forbearance measures","Collateral valuation","Default measurement","Negotiation","Analysis and assessment",{"id":210,"slug":211,"title":212,"raw_title":40,"is_featured":41,"company":213,"raw_hiringOrganization_logo_url":217,"processed_city_gmaps":218,"processed_country_iso_code_gmaps":220,"processed_home_office":91,"processed_salary_min":221,"processed_salary_max":222,"processed_salary_currency":54,"processed_salary_source":55,"processed_working_hours":223,"processed_employment_types":224,"processed_it_skills":225,"processed_it_skills_labels":226,"processed_job_expertise_skills":227,"processed_job_expertise_skills_labels":228,"max_cpc":80,"actual_cpc":235},75224,"2027-duales-studium-bwl-fachrichtung-bank-wmd-bereich-kreditprozessekreditsteuerung-mittelbrandenburgische-sparkasse","2027 - Duales Studium BWL Fachrichtung Bank (w\u002Fm\u002Fd) Bereich Kreditprozesse\u002FKreditsteuerung",{"name":214,"slug":215,"logo_url":216},"Mittelbrandenburgische Sparkasse","mittelbrandenburgische-sparkasse","\u002Fimages\u002Flogos\u002Fmittelbrandenburgische-sparkasse-logo.png","https:\u002F\u002Finstitute-logos.sparkasse.de\u002F16050000.svg",[219],"Potsdam",[50],17016,18324,[57],"student",{},[],{"banking":61,"credit control":61,"digitalization":61,"credit business":61,"credit processes":61,"credit risk management":61,"regulatory developments":61},[229,230,231,232,233,234,68],"Banking","Credit business","Credit processes","Credit control","Digitalization","Regulatory developments",0.8,{"industry":237,"employment_type":248,"expertise_skills":257,"it_skills":325,"salary_currency":389,"processed_working_hours":391},[238,241,245],{"key":239,"label":229,"count":240},"banking",21,{"key":242,"label":243,"count":244},"financial services","Financial Services",13,{"key":246,"label":247,"count":80},"wealth management","Wealth Management",[249,252,255],{"key":58,"label":250,"count":251},"PERMANENT",20,{"key":224,"label":253,"count":254},"STUDENT",6,{"key":95,"label":256,"count":80},"TEMPORARY",[258,260,261,265,268,270,273,276,279,282,285,288,291,293,296,299,302,305,308,311,313,316,319,322],{"key":259,"label":103,"slug":259,"count":34},"credit-risk-management",{"key":239,"label":229,"slug":239,"count":254},{"key":262,"label":263,"slug":262,"count":264},"structured-finance","Structured Finance",5,{"key":266,"label":267,"slug":266,"count":264},"project-management","Project management",{"key":269,"label":157,"slug":269,"count":66},"process-optimization",{"key":271,"label":272,"slug":271,"count":66},"regulatory-compliance","Regulatory Compliance",{"key":274,"label":275,"slug":274,"count":66},"sales","Sales",{"key":277,"label":278,"slug":277,"count":61},"credit-decision-making","Credit Decision Making",{"key":280,"label":281,"slug":280,"count":61},"rating-procedures","Rating 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