The Credit Specialist (German-speaking) 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:- 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- 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 elevate 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- 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.- 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)#J-18808-Ljbffr

📌 Credit Specialist (German-Speaking) Tf Continental · Málaga
🏢 TF Bank
📍 Málaga