(Senior) Officer - Credit Analyst

As aCredit 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.