Loan Officer at Multitude

Helsinki, Uusimaa, Finland -

Full Time

Start Date

Immediate

Expiry Date

07 Aug, 26

Salary

0.0

Posted On

09 May, 26

Experience

2 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Business Lending, Credit Analysis, Underwriting, Financial Analysis, Risk-Based Decision Making, Client Relationship Management, Sourcing, Credit Assessment, Commercial Mindset, Communication, Collaboration, Data-Driven Decision Making

Industry

Banking

Description

We are looking for a proactive and commercially minded Loan Officer who can originate and develop client relationships while delivering sound, data-driven credit decisions. This role combines sales-driven client engagement with end-to-end credit assessment and underwriting to support sustainable growth across all CapitalBox products. Required Qualifications & Skills: Experience in business lending, credit analysis, underwriting, or a similar role within financial services or fintech. Strong knowledge of credit assessment, financial analysis, and risk-based decision - making across multiple lending products. Proven ability to proactively source, manage, and develop client and partner relationships. Commercial mindset with the ability to balance growth opportunities and credit risk. Experience delivering clear, data-driven credit recommendations. Confident in client-facing situations and representing the credit function during onboarding and relationship management. Strong communication and collaboration skills; able to work effectively with sales and cross-functional teams. Self-driven, analytical, and comfortable working in a dynamic, growth-oriented environment. Key Responsibilities & Duties: Sales & Client Engagement: Actively engage with new clients, partnerships, and opportunities — don’t wait for deals to come, but proactively seek and initiate them. Develop and manage relationships with both direct customers and partners and potential partners to drive financing opportunities. Understand client financing needs and present suitable credit solutions across all available CapitalBox products. Represent the credit function in client interactions and support smooth onboarding and long-term relationship building. Credit Assessment & Recommendations: Assess the creditworthiness of applicants across all CapitalBox products, including unsecured loans, factoring, and other available or future offerings. Deliver clear, data-based recommendations aligned with risk appetite and business goals. Underwriting for All Products: Perform underwriting across all products offered by CapitalBox, applying internal criteria to ensure sound risk decisions. Balance commercial potential with credit risk to enable sustainable growth. Cross-Team Collaboration: Work closely with commercial, account management, and other teams across CapitalBox and the broader Multitude group. Align on client needs, risk appetite, and deal structure, and provide credit insights throughout the process. We offer: A Truly Global Workplace – work with professionals from 40+ nationalities, bringing diverse expertise, perspectives, and a collaborative international culture. Hybrid & Flexible Work – we support work-life balance with remote work options and modern office spaces across Europe. A Culture of Growth – we invest in your future, offering LinkedIn Learning, mentorship, and professional development programmes, including HiPo and leadership development initiatives to support career advancement. Financial Growth Opportunities – benefit from our share purchase matching programme, allowing you to invest in your future with matched contributions and long-term financial rewards. Workation Programme – work remotely from different countries for up to 2 months per year, experiencing new cultures while staying connected and productive. We may use artificial intelligence (AI) tools to support specific parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses against predefined criteria. These tools assist our recruitment team but do not replace human judgment. All final hiring decisions are made by human recruiters. By proceeding to apply for a job with us, you confirm that you have read and accepted our Recruitment Privacy Policy At Multitude, we’re more than just a European FinTech company listed on the Frankfurt Stock Exchange – we’re a global team shaping the future of finance. With 800+ professionals from 40+ nationalities across 25 countries, we combine diverse perspectives and expertise to deliver digital lending and online banking solutions that empower consumers, SMEs, and FinTechs worldwide. Through our Growth Platform, we operate three dynamic business units: Ferratum – seamless mobile banking for consumers CapitalBox – flexible financing solutions for SMEs Multitude Bank – tailored support for non-bank lenders and FinTechs In 2024, we achieved €263.7 million in revenue and €20.2 million in net profit, a reflection of our strong growth and innovation-driven success. But what truly sets us apart is our culture. At Multitude, our people are our greatest asset. We foster a dynamic, inclusive, and supportive environment where talent thrives, ideas are valued, and growth is encouraged – both personally and professionally. If you’re ready to make an impact and grow your career in a company that’s redefining financial services, your journey starts here at Multitude.

Responsibilities

The role involves proactively sourcing and managing client relationships to drive financing opportunities across CapitalBox products. It also requires performing end-to-end credit assessments and underwriting to ensure sound, data-driven risk decisions.