Risk Management Professional
2 days ago
Senior Risk Management Specialist
About the Role:We are seeking a seasoned risk management professional to join our team as a Senior Risk Management Specialist. This key role will be responsible for analyzing and assessing risks associated with mortgage lending activities, ensuring the lender's financial stability by mitigating potential losses.
The successful candidate will have a deep understanding of creditworthiness assessment, portfolio monitoring, and risk management strategies. They will also have experience in developing and implementing strategies to mitigate credit risk, including setting lending standards, using credit scoring models, and establishing early warning systems for potential defaults.
In addition to their technical expertise, the ideal candidate will possess strong analytical and quantitative skills, knowledge of credit scoring and risk models, and proficiency in financial modeling and risk analysis software. They will also have excellent communication and interpersonal skills, enabling them to collaborate effectively with other departments and stakeholders.
The Senior Risk Management Specialist will play a critical role in ensuring compliance with regulatory requirements and reporting credit risk information to stakeholders. They will also participate in the loan origination process, including underwriting decisions and loan approvals.
To be successful in this role, you should have at least 5 years of experience in consumer/SME financing, with a strong understanding of mortgage credit risk. If you are a motivated and detail-oriented professional with a passion for risk management, we encourage you to apply.
Key Responsibilities:- Creditworthiness Assessment: Evaluate the borrower's ability to repay the mortgage loan, considering factors like income, debt-to-income ratio, credit history, and property value.
- Portfolio Monitoring: Track the performance of the mortgage portfolio, identify potential problem loans, and monitor risk indicators like delinquency rates and default rates.
- Risk Management Strategies: Develop and implement strategies to mitigate credit risk, such as setting lending standards, using credit scoring models, and establishing early warning systems for potential defaults.
- Compliance and Reporting: Ensure compliance with regulatory requirements and report credit risk information to stakeholders.
- Underwriting and Loan Origination: Participate in the loan origination process, including underwriting decisions and loan approvals.
- Strong Analytical and Quantitative Skills: To assess and analyze credit risk data.
- Knowledge of Credit Scoring and Risk Models: To accurately assess borrower risk.
- Understanding of Mortgage Lending Regulations and Compliance Requirements: To ensure compliance with industry standards.
- Proficiency in Financial Modeling and Risk Analysis Software: To effectively manage and monitor credit risk.
- Good Communication and Interpersonal Skills: To collaborate with other departments and stakeholders.
At least 5 years of experience in consumer/SME financing. Understanding or experience in mortgage credit risk is highly desirable.
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