Share this Job

Credit Officer

Brussels, BE, 1160

Purpose of the Job

The purpose of this function is to autonomously manage a variety of clients’ credit files (consumer, mortgage, corporate), from its administrative creation till its end, including its regular follow up during its existence.

Key Accountabilities

Providing the credits

• Write conventions (credit, security, mortgage)

• Input credits in the IT and accounting systems

• Verify securities’ composition (portfolio, mortgage, insurances…)

• Liberate the money borrowed and verify that the credit purpose is respected when transferring it

• Provide information to the Credit Central (BNB)

• Ensure completeness of the paper and IT files




• Manage prepayments

• Establish prepayments statements and mortgage release

• Confirm in writing to clients their credit’s deadline or total prepayment




• Guarantee the quality of the operations and data related to the credits (control of the analysis, compliance with procedure and law, match with the client data from the CRM…)

• Authorize the exit of cash/securities on the accounts by managing the security level

• Control and manage the possible calls for margin

• Control of payment of due dates (follow up of debit accounts)

• Control of movements on the credit accounts

• Very quality and accuracy of the credit conventions


Knowledge and Experience

• Master degree (preferably in Economics or Legal fields)

• At least 5 years of experience in administration and management of consumption and mortgage credits (write contracts, contact clients, input in the system, follow up credits during their existence, manage prepayments…)

• Experience in credit management in the banking sector (ideally in a Private Bank) or in a leasing company, factoring, BIG4, accountancy practice, notaries…

• A traning in credit management is a plus (ex : Febelfin)

Attributes and Qualities

• Excellent organisation to collect and handle data

• Affinity with numbers

• Priority management to plan and organize the workload

• Team spirit for the coordinated management of the files

• Accuracy and rigor to avoid/correct mistakes

• Ability to work autonomously and propose initiatives

• Ability to deal with specific or unforeseen demands

• Respect of deontological and ethical standards

• Critical mindset and ability to defend a point of view

Technical Skills

• Knowledge of private and corporate types of credits

• Write credit and security conventions

• Proficiency with IT and administrative related credits’ process

• Experience of the banking sector

• Understanding of the legal and regulatory environment for credits

• Bases of patrimonial law

• Proficiency with MS Office (Word, Excel, Powerpoint)

Languages Skills

• Advanced level of French or Dutch with a good knowledge of the other languages

• Sufficient knowledge of English (write mails, prepare reporting…)