The Role
Underwrite German consumer loan applications by reviewing bank statements, income verification, and credit bureau data; make final credit decisions, recommend credit policy improvements, manage overdue accounts with daily debtor outreach, monitor repayments and escalate cases, and collaborate with customer service and lead Credit Specialist on process and portfolio performance.
Summary Generated by Built In
The Credit Specialist (German-speaking) role is designed to ensure seamless and effective underwriting of German consumer loan applications and timely handling of debtors. The main purpose of the role is to:
- Conduct thorough analysis of loan applications, including reviewing bank statements and supporting documents, and making final credit decisions beyond the initial automated process.
- Provide meaningful feedback on potential enhancements to credit policy, based on market experience and observed application trends.
- Ensure timely and proactive engagement with overdue customers, including daily debtor calls, to mitigate credit risk and safeguard portfolio quality.
Key responsibilities:
- 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 escalate 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.
Qualification & Experience:
- Background in financial services, banking, or credit risk management.
- Fluent German language skills (mandatory) – both written and spoken (C1-B2 level). 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)
Skills Required
- Experience in financial services, banking, or credit risk management
- Fluent German language skills (written and spoken), C1-B2 level
- Strong command of English for internal communication
- Experience with loan underwriting, reviewing bank statements, income verification, and credit bureau data
- Knowledge of German market practices, customer behavior, and regulatory framework
- University degree in finance, economics, business administration, or equivalent
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The Company
What We Do
TF Bank is a digital bank offering consumer banking services and e-commerce solutions through a proprietary IT platform. It provides deposit products, unsecured consumer loans, digital payment solutions, and credit cards across multiple European countries.
