Credit Manager - mortgage loans

Credit Manager to develop mortgage loans activity

Client Details

Belgian online bank offering savings, investments and wealth management. It was successfully launched in Belgium a decade ago and is developing itself as an innovative and disruptive player in the Belgian financial market. Being a pure internet player, the bank has a very strong focus on customer intimacy and client satisfaction

Description

The selected candidate will supervise the credit decisions taken by the originator and check the
conformity with acceptance criteria.

He/she will also participate in the preparation of more complex credit application files and present these to the Joint Credit Committee.

The candidate will be responsible for:

1.Credit review and approvals
a. Providing guidance for loan applications not fully complying to standard acceptance criteria rules;
b. Providing credit decisions on modifications and special servicing of loans; files outside authority to be presented to Credit Committee;
c. Preparing (more complex) loan request applications for the Credit Committee
d. Acting as member, deputy voting member, and secretary of the Credit Committee and communicate decisions to relevant team e. Performing sample credit reviews on individual loan application level and on credit acceptance procedures at the originator, jointly with the Manager Oversight & Operations

2. Monitoring of portfolio
a. Follow up of arrears evolution, analysis and suggestions for remedy
b. Preparing reportings for the Portfolio Committee covering exposures, arrears, forbearance, delinquencies, etc.
c. Comparing portfolio evolution with risk appetites and support reporting to Risk

Profile

To be eligible for this role, you should demonstrate:

- A Bachelor or Master's degree in Economics, Business and Alike

- 10+ years of progressively responsible and relevant experience as credit manager in residential mortgage lending in Belgium

- Excellent analytical skills

- Strong spoken and written communications skills in English and in French or Dutch

- Be driven, independent, enthusiastic and hands-on with a practical appreciation of the full
mortgage process

- Demonstrate personal integrity, honesty, reliability, respect and commitment

Job Offer

Our client offers a competitive package with a wide range of benefits