As a Credit Analyst - Senior Manager, you will be a subject matter expert and a key leader within the credit department. You will be responsible for providing expert guidance to the team, while also contributing significantly to policy development and risk management.
Responsibilities:
- Expert Credit File Analysis:
- Lead the analysis of complex and high-value credit files, providing expert insights and recommendations.
- Develop and implement frameworks for validating credit profiles, ensuring robust risk assessment.
- Define and enforce policies for controlling loan purposes and evaluating their impact.
- Drive the development of sophisticated methodologies for assessing reimbursement capacity and evaluating the effectiveness of various guarantees.
- Optimized Acceptance Process & Compliance Leadership:
- Streamline and optimize the credit acceptance process, identifying and implementing efficiencies.
- Ensure absolute compliance with all regulatory and internal requirements, leading the resolution of critical compliance challenges.
- Policy-Level Credit Advice:
- Formulate advice on credit applications, influencing portfolio strategy and risk appetite.
- Contribute to the development and refinement of credit policies and guidelines.
- High-Level Stakeholder Communication:
- Communicate and negotiate complex credit decisions
- Support the Head of the department in managing broker relationships.
- Leadership & Development:
- Mentor, coach, and develop a team of credit analysts, fostering a culture of excellence and continuous improvement.
- Contribute to the strategic planning of the credit department.
- Strategic Initiatives:
- Undertake other strategic duties as determined by the Senior Credit Manager or Head of Belgian Mortgages, often involving significant impact on the overall business strategy and risk profile.
- Any other duties to be determined from time to time by the Head of Belgian Mortgages.
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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.
