(Senior) Officer - Credit Analyst

As a Credit Analyst: Officer/Senior Officer, you will play a crucial role in the initial assessment and processing of credit applications, working under the guidance of more experienced team members. Your focus will be on developing a strong foundational understanding of credit analysis principles and internal processes. Responsibilities: - Credit File Analysis: - Validate the credit profile of applicants, ensuring accuracy and completeness of submitted information. - Control the stated purpose of loans to align with company policy. - Assess the reimbursement capacity of applicants by gathering and organizing financial data. - Evaluate guarantees offered against credit facilities. - Application Submission & Compliance: - Prepare and submit credit files for the internal acceptance process, ensuring all required documentation is present. - Verify that all regulatory and internal requirements are met for each application. - Credit Advice Formulation: - formulate initial advice regarding credit applications. - Communication: - Communicate credit decisions to clients and/or brokers, explaining the outcome clearly and professionally. - Ad-hoc Duties: - Any other duties as determined by the Senior Credit Manager or Head of Belgian Mortgages.