The job of a credit counsellor requires a range of skills. Thanks to these, your customers benefit from sound advice when they take out a personal loan.
Can I be a credit counsellor?
As long as you are of legal age and have the appropriate training and the necessary tools to study credit applications, you can apply for this position.
However, a credit counsellor should not be confused with the manager of a credit company. The latter must be authorised by the cantonal authorities and must comply with the rules imposed by the Consumer Credit Act.
These include proving that one has a high degree of experience, being a custodian of securities, having a good reputation, not having a certificate of defect on assets, etc.
Above all, it is a profession that requires a series of professional skills and a mindset dedicated to the well-being of the customers you serve.
What do customers expect?
Naturally, to a positive response to their consumer loan application. However, the role of a credit counsellor is to work towards this achievement by taking into account the legal, financial and ethical frameworks.
It is therefore above all a question of protecting the interests of the customer and the other stakeholders in the credit file, i.e. the banks and the institution you represent.
What skills are needed?
They are multiple and cover the human, technological and financial spectrums.
The digitalization of services has profoundly changed the customer experience. The same goes for intermediaries active in the industry. Requests made simply and quickly, combined with tools that allow them to compare offers, force credit players to adapt their services, platforms and professional skills.
However, despite this digitalization, human competence remains central.
After all, taking out a loan is not only a financial commitment, but also an emotional one. Having the ability to listen, empathize and be able to communicate humanly is necessary to ensure an advisory role.
The Milenia team understood this from the start of its activities. The values that define the company refer to it.
Simplicity
The role of an advisor is to simplify a client's journey in their search for a solution adapted to their needs.
This allows the applicant to better understand the steps to be taken, to fully grasp the opportunities and risks related to his application.
Being able to offer a complete offer, in all simplicity, while respecting the legal framework requires real listening and communication skills.
At the same time, technological skills to make the best use of analytical, control and computational tools are invaluable.
Responsibility
Be able to assume responsibilities and demonstrate seriousness and professionalism in processing credit requests.
This seems to be the least we can do, but this mindset is not necessarily recognized through the private credit industry.
Act conscientiously, respect your client, consider risks, do not make hasty decisions or make false promises. These are necessary qualities if one wants to be respected as a responsible actor in the field of credit.
Clarity
In order to allow the applicant to make a well-considered and balanced decision, respectful of his or her ability to repay, it is essential to convey information clearly and straightforwardly.
Being transparent and clear helps in decision-making and avoids any unpleasant surprises in the long run.
This applies both internally, as part of a team of analysts, specialists and advisors, and externally, towards the customer and partners.
Quality
By implementing all these skills, a high degree of quality is ensured in the processing and execution of the desired loan.
No detail should be discarded since the stakes for the client are so high.
Whether it's a renovation project, a vehicle purchase, debt financing or a training course... The money provided must be used for the well-being of the client.
However, financial conditions are linked to these projects and the quality guaranteed by a precise and thorough management of a credit file will allow all stakeholders to benefit from the best choices according to the established criteria.
Applying for credit is an important act, and so is processing a credit application. There is a professional, even moral, obligation to deal with this request in a highly qualitative manner.
How do you get started in this profession?
All you have to do is apply for open positions within a funding platform such as Milenia.
As with every recruitment, a selection process is applied and interviews are organised.
If you find yourself in the qualities and skills described in this article, a career in credit may be within your reach.
We can also mention other valued skills such as the handling of a second language and your ability to master computer tools.
As explained, however, the human factor remains central to the success of your application. If your training needs to be completed, if you lack experience, if you need support... the members of the Milenia team will be there for you.
What matters is your authenticity and sincerity towards the human and professional values that are part of the company's DNA.
Who can I contact?
All you have to do is send your application by email using the contact page of the website. It's simple.
Milenia is certified Great Place to Work and provides you with a pleasant working environment and offers conditions beyond the legal and sectoral framework. Milenia is one of the leading credit group in Switzerland. It's qualitative.
You will receive a response and if you join the selection process, you will have to go through a remote interview and an on-site interview. Is that clear.
You will be given an answer right away and if you are selected, you will benefit from in-depth training covering all the aspects necessary for a successful start job. It's responsible.
Milenia, people at the service of people. Simply.
