Credit Operations Specialist – Mortgage Applications & Disbursement (m/f/d)

Finance for Expats GmbH; Hannover; On-site; EUR 48,000 - 68,000; Full time

Benefits offered by this job

30 days vacation

Hansefit membership / 50€ tax-free

Team events

Professional development

Hybrid office Hannover

Job summary

Finance for Expats is seeking a Credit Operations Specialist to act as the link between mortgage advisors, clients, banks, real estate agents, sellers and notaries. This back-office role supports applications from submission through disbursement and handover of keys, with a focus on international clients in Germany.

The ideal candidate has a Bank Clerk background or GewO §34i qualification and at least 2 years in credit operations, with native German and fluent English.

Qualifications

• Completed vocational training as a Bank Clerk or comparable qualification.
• At least 2 years of professional experience in credit operations or similar banking function.
• Native German and fluent English (spoken and written).
• Any additional foreign language is a strong advantage.

Responsibilities

• Take over financing cases after initial advisory and prepare for submission.
• Request documents from clients and track case status.
• Review documents for completeness and suitability for next stage.
• Coordinate with banks, real estate agents and sellers.
• Prepare financing file for submission to banks and coordinate next steps.
• Assist disbursement and handover of keys to clients.

Skills

German native

English fluent

Empathy

Communication

Digital tools

Education

Bank Clerk training

GewO §34i qualification

Tools

Banking software

Office tools

Job description

Multilingual financial guidance for expats in Germany

Credit Operations Specialist – Mortgage Applications & Disbursement (m/f/d)

As a Credit Operations Specialist, you act as the link between our mortgage advisors, clients, banks, real estate agents, sellers and notaries. This is a back-office and coordination role. It is not a sales position and does not include client acquisition or consultation work.

About Finance for Expats

Finance for Expats is one of Germany’s leading financial advisory firms for international Expats. We support our clients holistically with real estate financing, insurance, tax advisory and financial planning – independent, transparent and client-focused.

Your Role

As a Credit Operations Specialist, you take over a case once the client has decided to submit a financing application and support the process through to disbursement and handover of the keys.

Mortgage applications

• Take over financing cases from our mortgage advisors once the initial advisory process is complete and the client wants to submit an application.
• Request the required documents from clients and keep track of the status of each case.
• Review documents for completeness and suitability for the next stage of the process.
• Collect and organise property-related documents from real estate agents and sellers.
• Prepare the financing file for submission to the bank.
• Submit applications to suitable banking partners and coordinate the next steps.
• Respond to bank questions and coordinate missing or additional documents with the relevant parties.
• Keep our mortgage advisors informed about the current status and important decisions.
• Hand the case back to the advisor after approval so that the financing agreement can be discussed with the client.

Disbursement and completion

• Take over the client again after the purchase contract has been notarised and the case moves into the disbursement phase.
• Explain which documents and conditions are still required before the loan can be paid out.
• Support clients with topics such as the purchase price due date, invoices and other disbursement documents.
• Coordinate communication with the bank so that the disbursement process runs smoothly.
• Support the client through disbursement and the handover of the keys.
• Promote additional Finance for Expats services and initiate cross-selling by handing over clients to internal specialist departments

Your Profile

• Completed vocational training as a Bank Clerk, or a comparable qualification.
• Alternatively or additionally, a qualification as a mortgage intermediary, such as the German § 34i GewO qualification.
• At least 2 years of professional experience in credit operations, loan processing, clearing, loan administration, Marktfolge or a similar banking function is an advantage.
• Native-level German and fluent English (spoken and written)
• Any additional foreign language is a strong advantage
• High level of empathy, reliability and responsibility
• Open-minded, culturally sensitive and comfortable working with international clients
• A careful and structured way of working, even when handling several financing cases at the same time.
• Clear and dependable communication with clients, banks and other stakeholders.
• Confident use of digital tools and standard office applications.
• Bonus payments if targets are met
• 30 days of paid vacation, plus Christmas Eve and New Year’s Eve off
• Hansefit membership or alternatively a €50 monthly tax-free benefit card
• Regular team events, offsites and social activities
• Continuous professional and personal development opportunities
• A dynamic, international and fast-growing company with flat hierarchies
• The opportunity to help shape processes and structures in a growing company
• A hybrid working model with an office in Hannover