As a Credit Analyst - Manager, you will independently manage a portfolio of credit applications and reviews, leveraging your expertise to make informed credit decisions. You will also contribute to process improvements.
Responsibilities:
- Comprehensive Credit File Analysis:
- Independently validate the credit profile of applicants, identifying and mitigating potential risks.
- Rigorously control the purpose of loans, ensuring alignment with strategic objectives.
- Thoroughly assess reimbursement capacity.
- Rigorously evaluate the adequacy and quality of guarantees offered.
- Streamlined Acceptance Process:
- Oversee the submission of credit files to the acceptance process, proactively addressing any roadblocks.
- Ensure all regulatory and internal requirements are met, identifying and resolving compliance issues.
- Credit Advice:
- Formulate well-reasoned and comprehensive advice on credit applications, including recommendations for the credit committee.
- Communication:
- Effectively communicate and explain credit decisions to clients and/or brokers, building strong relationships and addressing complex inquiries.
- Process Improvement & Mentorship:
- Identify opportunities for process enhancements within the credit analysis function.
- Provide guidance and mentorship to junior credit analysts.
- Ad-hoc Duties: Any other duties to be determined from time to time by the Head of Belgian Mortgages or the Senior Credit Manager, often involving special projects or complex analyses.
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What We Do
MeDirect (formerly known as Mediterranean Bank) is a pan-European retail digital challenger bank, with two main lines of business: WealthTech and specialised mortgage lending.
As a WealthTech, our aspiration is to democratise investing and disrupt the retail digital investment space by deploying a unique Wealth SuperApp offering one of the broadest range of online investment solutions to individual clients. We provide clients with autonomy, choice and guidance in the way they want to manage their money. Our SuperApp is also a one-stop-shop, catering to clients’ investment and everyday banking needs. All this with simplicity and an easy user experience.
As a specialised mortgage lending platform, we carefully select the segments we operate in, with the goal of setting new standards of service for our customers and address, when relevant, underserved segments of the mortgage market in jurisdictions we operate in.
With ca. 400 employees at Group level in aggregate, we are growing a world-class Tech platform in Malta to support our pan-European operations, currently in Belgium, the Netherlands and Malta.
We compete for talent on an international level, with 25 different nationalities currently represented in the Group. Our work environment is fast paced and constantly changing while fostering a sense of teamwork and pride in participating in MeDirect’s exciting transformation journey.
Headquartered in Malta, MeDirect has a subsidiary bank in Belgium, MeDirect Bank NV/SA. MeDirect is Malta’s third largest banking group in terms of total assets. It is a systemic bank in Malta, and its consolidated group is supervised under the Single Supervisory Mechanism by a Joint Supervisory Team including the European Central Bank, the Malta Financial Services Authority and the National Bank of Belgium.
