Credit Control Officer

People Solutions by Arhis; Verwaltungsgemeinschaft Meßkirch; Vor Ort; EUR 30.000 - 50.000; Vollzeit

Zusammenfassung

Eine innovative Bank sucht einen engagierten Praktikanten im Kreditwesen, der in einem dynamischen Team arbeitet. In dieser Rolle sind Sie für die vollständige operative Verwaltung von Kreditakten verantwortlich und unterstützen die verschiedenen Geschäftsbereiche bei der Durchführung von Krediten. Mit einem starken Fokus auf Kundenservice und kontinuierliche Prozessverbesserung haben Sie die Möglichkeit, in einem multinationalen Umfeld zu lernen und sich weiterzuentwickeln. Wenn Sie eine Leidenschaft für Finanzen haben und in einem unterstützenden Team arbeiten möchten, ist dies die perfekte Gelegenheit für Sie.

Qualifikationen

• Mindestens BAC +3 in Wirtschaft/Finanzen oder gleichwertiger Abschluss.
• Erste Erfahrung in einer ähnlichen Position von Vorteil.

Aufgaben

• Verantwortung für die operative Verwaltung von Kreditakten.
• Bearbeitung von Anfragen und Erstellung von Vertragsdokumenten.
• Rigoroses Führen von Aufzeichnungen und Prozessoptimierung.

Kenntnisse

Analytische Fähigkeiten

Organisationsfähigkeiten

Kommunikationsfähigkeiten

Kundenorientierung

Teamarbeit

Flexibilität

Ausbildung

BAC +3 in Wirtschaft/Finanzen

Jobbeschreibung

As a Lending Services Intern, you will be part of a 19-person department consisting of the 'Personal Lending Services' and 'Business Lending Services' teams.

The 'Lending Services' department within ING Luxembourg mainly carries out the following missions:

• Responsibility and final responsibility for the operational execution of the various types of credit offered to customers;
• Objective to provide a fast and impeccable quality service to our internal and external customers;
• Culture of continuous process improvement;
• Helping and supporting all of the Bank's business lines regarding the operational execution of loans;
• Validation of regulatory and functional reports (CSSF, Sox, etc.);
• Management and/or active participation in projects impacting credit activity, initiated by the Lending Services department or other departments, especially in response to new requirements like CSSF, Sox, etc.

Your main mission:

Take charge of the complete operational management of credit files.

• Process requests submitted to decision-making bodies;
• Draft contractual documentation and all appropriate correspondence;
• Implement credits;
• Carry out all necessary accounting and follow-up until loan repayment;
• Maintain records rigorously;
• Constantly challenge processes to simplify them while controlling operational risk.

You will collaborate closely with sales representatives, Risk departments (CRM, MRM, Legal), Bank Treasury, and other support departments (Client Services, Payment, Finance, IT).

You will also communicate regularly with external stakeholders (ING Group, Facility Agents, Notaries, Insurance Companies, External Auditors, etc.).

Your profile:

Formation:

Minimum BAC +3 in economics/finance or an equivalent degree.

A first experience in a similar position is advantageous.

Skills:

• Good analytical, judgmental, and communication skills;
• Administrative rigor and excellent organizational skills, especially in managing priorities;
• Initiative spirit and potential for autonomy;
• High motivation to learn and engage in the role;
• Flexibility and proactivity in handling cases;
• Strong customer focus and proven teamwork skills.

Languages:

Fluency in French and English, both oral and written, is essential.

Work environment:

With over 900 employees in Luxembourg and the strength of a multinational like ING, we offer a wide range of solutions through various channels to our private and professional customers.

ING is a global bank with a strong European foundation, serving approximately 38.4 million customers, businesses, and financial institutions across more than 40 countries with 53,000 employees. Since 1960, we have operated in Luxembourg as a universal and accessible bank, offering products like savings, payments, investments, loans, and mortgages through online and branch channels. For wholesale clients, we provide lending, sustainable finance, payment and cash management services, and fund services.