Credit Officer

Puilaetco Belgium, Brussels, BEL, 1160
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Purpose of the Job


The purpose of this function is to autonomously manage a variety of clients’ credit files (consumer, mortgage, corporate), from its administrative creation till its end, including its regular follow up during its existence.

Key Accountabilities


Providing the credits


• Write conventions (credit, security, mortgage)


• Input credits in the IT and accounting systems


• Verify securities’ composition (portfolio, mortgage, insurances…)


• Liberate the money borrowed and verify that the credit purpose is respected when transferring it


• Provide information to the Credit Central (BNB)


• Ensure completeness of the paper and IT files

 

 

Reimbursements


• Manage prepayments


• Establish prepayments statements and mortgage release


• Confirm in writing to clients their credit’s deadline or total prepayment

 

 

Controls


• Guarantee the quality of the operations and data related to the credits (control of the analysis, compliance with procedure and law, match with the client data from the CRM…)


• Authorize the exit of cash/securities on the accounts by managing the security level


• Control and manage the possible calls for margin


• Control of payment of due dates (follow up of debit accounts)


• Control of movements on the credit accounts


• Very quality and accuracy of the credit conventions

 

Knowledge and Experience


• Master degree (preferably in Economics or Legal fields)


• At least 5 years of experience in administration and management of consumption and mortgage credits (write contracts, contact clients, input in the system, follow up credits during their existence, manage prepayments…)


• Experience in credit management in the banking sector (ideally in a Private Bank) or in a leasing company, factoring, BIG4, accountancy practice, notaries…


• A traning in credit management is a plus (ex : Febelfin)

Attributes and Qualities


• Excellent organisation to collect and handle data


• Affinity with numbers


• Priority management to plan and organize the workload


• Team spirit for the coordinated management of the files


• Accuracy and rigor to avoid/correct mistakes


• Ability to work autonomously and propose initiatives


• Ability to deal with specific or unforeseen demands


• Respect of deontological and ethical standards


• Critical mindset and ability to defend a point of view

Technical Skills


• Knowledge of private and corporate types of credits


• Write credit and security conventions


• Proficiency with IT and administrative related credits’ process


• Experience of the banking sector


• Understanding of the legal and regulatory environment for credits


• Bases of patrimonial law


• Proficiency with MS Office (Word, Excel, Powerpoint)

Languages Skills


• Advanced level of French or Dutch with a good knowledge of the other languages


• Sufficient knowledge of English (write mails, prepare reporting…)

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