Credit Specialist (German‑speaking)
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The 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:

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- 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

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- 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

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- 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. xhfqzwm

- 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)

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📌 Credit Specialist (German-Speaking) (Málaga)
🏢 TF Bank AB (publ)
📍 Málaga