Anouk van Leeuwen
Junior Loan Officer | Consumer Credit Underwriting & Financial Analysis
Rotterdam
Professional Summary
Detail-oriented Junior Loan Officer with specialized experience in consumer credit assessment, income verification, and lending compliance under Dutch financial standards. Skilled in evaluating borrower risk profiles, managing application pipelines, and providing transparent communication throughout the credit approval lifecycle.
Work Experience
Maasstad Krediet Unie
Rotterdam, Netherlands
Junior Loan Officer
Apr 2024 – Present
- Evaluate retail personal loan and revolving credit applications against affordability standards and national lending guidelines.
- Review customer financial statements, income verifications, and credit bureau reports to determine debt-to-income ratios.
- Collaborate with senior underwriters to structure viable loan proposals and clarify conditions for conditional approvals.
- Communicate approval terms and documentation requirements directly to applicants while maintaining regulatory compliance.
Credit Operations Assistant
Sept 2023 – Mar 2024
- Gathered and indexed client identity documents, employment records, and bank statements for consumer loan files.
- Conducted preliminary data verification checks in central credit registration registries.
- Assisted applicants with initial intake questionnaires and administrative inquiries regarding pending loan applications.
HavenFinanciering Groep
Rotterdam, Netherlands
Junior Credit Intern
Feb 2023 – Jun 2023
- Assisted commercial and personal loan officers in preparing client dossiers and running standard credit checks.
- Generated weekly pipeline tracking reports summarizing application processing times and document completion rates.
Education
Rotterdam University of Applied Sciences
Bachelor of Science · Finance and Banking · Rotterdam, Netherlands · Cum Laude · Sept 2019 – Jul 2023
Completed coursework in credit risk analysis, financial accounting, Dutch consumer lending regulations, and commercial banking operations.
Conducted a graduation research project on automated credit scoring models for personal retail lending.
Selected Projects
Retail Credit Assessment Framework Study
Feb 2023 – Jun 2023
- Analyzed credit scoring methodologies and customer intake workflows across mid-tier retail finance organizations in the Netherlands.
- Formulated recommendations on streamlining application validation while safeguarding default risk controls.
Core Competencies
Credit Underwriting
Financial Statement Analysis
Debt-to-Income Calculation
Regulatory Compliance (Wft)
Customer Due Diligence (CDD)
Risk Assessment
Loan Documentation
Credit Bureau Reporting
Client Advisory
Languages
Dutch
C2
English
C1
German
B1
Certifications
Wft Consumer Credit (Consumptief Krediet)
Dutch Financial Markets Authority Accredited Exam Board · Mar 2024
Wft Basis
Dutch Financial Markets Authority Accredited Exam Board · Sept 2023
Volunteer Experience
Rotterdam Schuldhulp Maatje Netwerk
Rotterdam, Netherlands · Oct 2023 – Dec 2024
- Budget Coaching Volunteer
- Assisted local residents in organizing monthly household budgets and reviewing personal debt management strategies.
- Facilitated small group workshops on basic personal finance principles and responsible credit utilization.