Credit expert

As a mortgage loans expert, you fulfil both a technical and sales role in which you guarantee an optimal customer experience for the customer applying for a home loan at Keytrade Bank.
You work within a very fine and dynamic team together with other experts and file managers. You work independently on your own credit files and ensure good follow-up.
On the one hand, you have a commercial role where you have telephone appointments with customers and prospects. You will inform and help them apply for their home loan. You will also help our customers by e-mail with questions about their application or their current credit. 

On the other hand, you also analyse the customer's credit application and formulate your advice to the credit committee. You will follow up on your files and ensure smooth communication and short processing times.

Your main tasks:

 
- You advise customers and prospects by telephone about the residential loan offer. You inform them about the credit process and the various steps they have to take to underwrite their credit
- You manage our mailbox by answering questions from customers and prospects yourself or by passing on the mail to the colleague who manages the file
- You check new credit applications against our acceptance framework. If necessary, you formulate a counterproposal
- You analyse complete credit applications and give advice to the credit committee
- You communicate the credit decision to the customer and ensure the necessary follow-up of your files

Profile:

- You speak and write fluently in Dutch and French. English is a plus
- You have at least 3 years' experience advising customers and prospects who wish to take out a home loan (in a bank branch or contact centre)
- You enjoy being in contact with customers by telephone and communicate fluently by e-mail
- You are able to analyse a home loan application.  If you have experience in analysing applications from the self-employed, liberal professionals and company directors, this is certainly an added bonus.
- You are customer-oriented and “technology minded”. We work “paperless”
- You have FSMA approval to advise on home loans or are willing to undergo training
- You have at least a bachelor's degree or equivalent through experience
- You work accurately and independently within a dynamic team

Our offer:

- A competitive remuneration package, in line with your knowledge and experience
- The opportunity to evolve within a dynamic hands-on, no-nonsense organisation
- A pleasant and driven team within which you will function.
- The necessary support from management and colleagues to develop yourself optimally in our company
- A hybrid model in which you will work approximately 50% from home and 50% in the office (after sufficient training)