ph3Credit Specialist (German‑speaking) /h3 pThe 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: /p ul liConduct thorough analysis of loan applications, including reviewing bank statements and supporting documents, and making final credit decisions beyond the initial automated process. /li liProvide meaningful feedback on potential enhancements to credit policy, based on market experience and observed application trends. /li liEnsure timely and proactive engagement with overdue customers, including daily debtor calls, to mitigate credit risk and safeguard portfolio quality. /li /ul h3Key responsibilities /h3 ul liPerform comprehensive loan analysis and underwriting of consumer loan applications. Review supporting documentation such as bank statements, income verifications, and credit bureau data. /li liProvide feedback to improve and refine credit policy and underwriting guidelines. /li liSupport daily debtor management activities,



including contacting overdue customers by phone and other channels. /li liMonitor repayment behavior and escalate problematic cases when needed. /li liCollaborate closely with the customer service team to ensure smooth loan processing and customer support. /li liReport to and align with the lead Credit Specialist in Tallinn on process improvements, workload, and portfolio performance. /li /ul h3Qualification Experience /h3 ul liBackground in financial services, banking, or credit risk management. /li liFluent German language skills (mandatory) – both written and spoken (C1‑B2 level). Strong command of English for internal communication. /li liKnowledge of local German market practices, customer behavior, and regulatory framework is a strong advantage. /li liUniversity degree in finance, economics, business administration, or equivalent (preferred but not mandatory) /li /ul /p #J-18808-Ljbffr

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