(Senior) Officer - Credit Analyst

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.