Credit Operations Specialist – Mortgage Applications & Disbursement (m/f/d)

• Multilingual financial guidance for expats in Germany
• Credit Operations Specialist – Mortgage Applications & Disbursement (m/f/d)

As a Credit Operations Specialist, you act as the link between our mortgage advisors, clients, banks, real estate agents, sellers and notaries.

This is a back-office and coordination role.

It is not a sales position and does not include client acquisition or consultation work.

About Finance for Expats

Finance for Expats is one of Germany’s leading financial advisory firms for international Expats.

We support our clients holistically with real estate financing, insurance, tax advisory and financial planning – independent, transparent and client-focused.

Your Role

As a Credit Operations Specialist, you take over a case once the client has decided to submit a financing application and support the process through to disbursement and handover of the keys.

• Mortgage applications
• Take over financing cases from our mortgage advisors once the initial advisory process is complete and the client wants to submit an application.
• Request the required documents from clients and keep track of the status of each case.
• Review documents for completeness and suitability for the next stage of the process.
• Collect and organise property-related documents from real estate agents and sellers.
• Prepare the financing file for submission to the bank.
• Submit applications to suitable banking partners and coordinate the next steps.
• Respond to bank questions and coordinate missing or additional documents with the relevant parties.
• Keep our mortgage advisors informed about the current status and important decisions.
• Hand the case back to the advisor after approval so that the financing agreement can be discussed with the client.
• Disbursement and completion
• Take over the client again after the purchase contract has been notarised and the case moves into the disbursement phase.
• Explain which documents and conditions are still required before the loan can be paid out.
• Support clients with topics such as the purchase price due date, invoices and other disbursement documents.
• Coordinate communication with the bank so that the disbursement process runs smoothly.
• Support the client through disbursement and the handover of the keys.
• Promote additional Finance for Expats services and initiate cross-selling by handing over clients to internal specialist departments

Your Profile

• Completed vocational training as a Bank Clerk, or a comparable qualification.
• Alternatively or additionally, a qualification as a mortgage intermediary, such as the German § 34i Gew O qualification.
• At least 2 years of professional experience in credit operations, loan processing, clearing, loan administration, Marktfolge or a similar banking function is an advantage.
• Native-level German and fluent English (spoken and written)
• Any additional foreign language is a strong advantage
• High level of empathy, reliability and responsibility
• Open-minded, culturally sensitive and comfortable working with international clients
• A careful and structured way of working, even when handling several financing cases at the same time.
• Clear and dependable communication with clients, banks and other stakeholders.
• Confident use of digital tools and standard office applications.
• Bonus payments if targets are met
• 30 days of paid vacation, plus Christmas Eve and New Year’s Eve off
• Hansefit membership or alternatively a €50 monthly tax-free benefit card
• Regular team events, offsites and social activities
• Continuous professional and personal development opportunities
• A dynamic, international and fast-growing company with flat hierarchies
• The opportunity to help shape processes and structures in a growing company
• A hybrid working model with an office in Hannover
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