German-Speaking Credit Underwriter, Consumer Loans

TF Bank AB; Málaga; Presencial; EUR 36.000 - 54.000; Jornada completa

Descripción de la vacante

TF Bank AB in Málaga is seeking a Credit Specialist (German-speaking) to underwrite German consumer loan applications and manage overdue debts. You will analyze loan documents, assess risk, and decide credit outcomes while collaborating with customer service to ensure smooth processing.

Proficiency in German (C1‑B2) is mandatory, with strong English for internal communication. Knowledge of German market practices and regulatory framework is advantageous.

Formación

• Background in financial services, banking, or credit risk management.
• Fluent German language skills (mandatory) – both written and spoken (C1-B2). Strong command of English for internal communication.
• Knowledge of local German market practices, customer behavior, and regulatory framework is a strong advantage.
• University degree in finance, economics, business administration, or equivalent (preferred but not mandatory)

Responsabilidades

• Perform comprehensive loan analysis and underwriting of consumer loan applications. Review supporting documentation such as bank statements, income verifications, and credit bureau data.
• Provide feedback to improve and refine credit policy and underwriting guidelines.
• Support daily debtor management activities, including contacting overdue customers by phone and other channels.
• Monitor repayment behavior and elevate problematic cases when needed.
• Collaborate closely with the customer service team to ensure smooth loan processing and customer support.
• Report to and align with the lead Credit Specialist in Tallinn on process improvements, workload, and portfolio performance.

Conocimientos

German language

English language

Educación

University degree in finance/economics/business administration

Descripción del empleo

TF Bank AB in Málaga is seeking a Credit Specialist (German-speaking) to underwrite German consumer loan applications and manage overdue debts. You will analyze loan documents, assess risk, and decide credit outcomes while collaborating with customer service to ensure smooth processing.

Proficiency in German (C1‑B2) is mandatory, with strong English for internal communication. Knowledge of German market practices and regulatory framework is advantageous.