The Role
Underwrite German consumer loan applications by reviewing bank statements, income verification, and credit data; make final credit decisions; manage overdue accounts through proactive debtor contact; recommend credit policy improvements; collaborate with customer service and report 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
- Experience in loan analysis and underwriting, including reviewing bank statements, income verification, and credit bureau data
- Fluent German language skills (written and spoken), C1-B2 level
- Strong command of English for internal communication
- Knowledge of local 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.
