Manager Credit Analyst

As a Credit Analyst - Manager, you will independently manage a portfolio of credit applications and reviews, leveraging your expertise to make informed credit decisions. You will also contribute to process improvements.

Responsibilities:

• Comprehensive Credit File Analysis:
  
  
  
  • Independently validate the credit profile of applicants, identifying and mitigating potential risks.
  
  
  • Rigorously control the purpose of loans, ensuring alignment with strategic objectives.
  
  
  • Thoroughly assess reimbursement capacity.
  
  
  • Rigorously evaluate the adequacy and quality of guarantees offered.
  
  
  
  

• Streamlined Acceptance Process:
  
  
  
  • Oversee the submission of credit files to the acceptance process, proactively addressing any roadblocks.
  
  
  • Ensure all regulatory and internal requirements are met, identifying and resolving compliance issues.
  
  
  
  

• Credit Advice:
  
  
  
  • Formulate well-reasoned and comprehensive advice on credit applications, including recommendations for the credit committee.
  
  
  
  

• Communication:
  
  
  
  • Effectively communicate and explain credit decisions to clients and/or brokers, building strong relationships and addressing complex inquiries.
  
  
  
  

• Process Improvement & Mentorship:
  
  
  
  • Identify opportunities for process enhancements within the credit analysis function.
  
  
  • Provide guidance and mentorship to junior credit analysts.
  
  
  
  

• Ad-hoc Duties: Any other duties to be determined from time to time by the Head of Belgian Mortgages or the Senior Credit Manager, often involving special projects or complex analyses.