As a Credit Analyst: Officer/Senior Officer, you will play a crucial role in the initial assessment and processing of credit applications, working under the guidance of more experienced team members. Your focus will be on developing a strong foundational understanding of credit analysis principles and internal processes.
Responsibilities:
- Credit File Analysis:
- Validate the credit profile of applicants, ensuring accuracy and completeness of submitted information.
- Control the stated purpose of loans to align with company policy.
- Assess the reimbursement capacity of applicants by gathering and organizing financial data.
- Evaluate guarantees offered against credit facilities.
- Application Submission & Compliance:
- Prepare and submit credit files for the internal acceptance process, ensuring all required documentation is present.
- Verify that all regulatory and internal requirements are met for each application.
- Credit Advice Formulation:
- formulate initial advice regarding credit applications.
- Communication:
- Communicate credit decisions to clients and/or brokers, explaining the outcome clearly and professionally.
- Ad-hoc Duties:
- Any other duties as determined by the Senior Credit Manager or Head of Belgian Mortgages.
