What are the responsibilities and job description for the Loan Officer - German Speaker position at Multitude?
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'.
As a German Speaking Loan Officer, you will be responsible for processing loan applications, making informed credit decisions, and driving sales by engaging with customers. You will play a key role in ensuring a seamless loan process while maintaining compliance with company policies and regulatory requirements.
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.
The Ideal Candidate:
- Fluent in German and English, both oral and written. Additional languages will be considered a benefit.
- Team player with a customer-oriented approach.
- Previous working experience in a similar environment is a plus.
- Strong computer skills.
- Ability to resolve customer issues or queries in the first resolution contact.
What’s in it for you:
- Wellbeing benefit;
- Private Health Insurance;
- Weekly breakfasts in the office;
- Workation Policy for up to 60 calendar days per year;
- Hybrid flexible working model;
- Access to LinkedIn learning with over 8000 courses;
- Share purchase matching program;
- Opportunities for growth, the realization of one's ideas, and further training;
- The opportunity to work in a dynamically international evolving company.
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