Loan Officer - Estonian Speaker

Multitude is a listed European FinTech company, offering digital lending and online banking services to consumers, small and medium-sized businesses, and other FinTechs. The services are provided through three independent business units, which are served by our internal Banking-as-a-Service Growth Platform. Multitude’s business units are consumer banking (Ferratum), business banking (CapitalBox) and wholesale banking (Multitude Bank).

Multitude Group employs over 700 people in 25 countries and offers services in 16 countries, achieving a combined turnover of 212 million euros in 2022. Multitude was founded in Finland in 2005 and is listed on the Prime Standard segment of the Frankfurt Stock Exchange under the symbol 'FRU'.

We are looking for a loan officer (Estonian speaker) to join our team in Malta. In this role, you will review loan applications, assist customers, and support them through the lending process while ensuring compliance with company policies and regulations. You will also play a key role in driving sales, identifying customer needs, and promoting loan products.

Key Accountabilities:

• Review and assess loan applications from multiple markets, ensuring all applications meet required standards and eligibility criteria.
• Make informed decisions on loan approvals or declines based on company policies, risk management standards, and compliance guidelines.
• Drive sales by proactively engaging with customers through calls, chats, and emails.
• Identify customer needs and recommend suitable products to maximize customer value and achieve sales goals.
• Promote additional products and services that align with customer needs, focusing on upselling opportunities to increase loan approvals and revenue.
• Handle complex customer concerns and challenges through emails, chats, or phone calls with professionalism and clarity.
• Provide effective solutions to ensure a positive customer experience and timely issue resolution.
• Maintain clear, professional, and timely communication with customers regarding loan application statuses, decisions, and available product options.
• Respond promptly to customer inquiries to ensure satisfaction and build trust.
• Follow all regulatory guidelines, risk policies, and company procedures to minimize operational risks.
• Maintain accurate records and reporting on loan application outcomes.
• Accurately enter and maintain detailed records of loan applications, decisions, and customer interactions in company systems.

What we're looking for:

• Fluent in Estonian and English (spoken and written). Additional languages are a plus.
• Strong customer service mindset with a team-player attitude.
• Previous experience in a similar role is an advantage but not mandatory.
• Strong computer skills and ability to navigate multiple systems.
• Ability to resolve customer queries effectively on the first contact.

What’s in it for you:

• Hybrid work model - Enjoy the flexibility of balancing remote and in-office work.
• Workation policy - Work from different countries for up to 60 days per year.
• Matching share programme - We match your contributions after a two-year holding period.
• LinkedIn Learning access - Over 16,000 courses in business, technology, and creative fields.
• Leadership and high-potential programs - Designed to support your career growth within Multitude.
• Private health insurance - Comprehensive coverage for your peace of mind.
• Wellbeing benefit - Initiatives to support your physical and mental well-being.
• Weekly office breakfasts - Enjoy a great start to your workday with the team.
• Opportunities for growth - Realize your ideas and advance in a fast-growing international fintech.

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