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- Assess credit risk and provide recommendations to the Senior Management and Credit Committee on lending decisions.
- Contribute to the credit risk appetite process and report on credit risk matters, ensuring compliance with regulatory requirements.
- Work alongside the Business Development Team to provide timely credit risk assessments.
- Develop and implement policies and procedures to ensure accurate record-keeping and regulatory compliance.
- Contribute to continuous improvements in credit processes, ensuring efficient turnaround times and quality delivery.
- Provide training and coaching to team members to elevate their skillsets.
- Develop the Bank’s credit risk policies and support the identification of early warning indicators for potential defaults.
- Be the main liaison for internal and external auditors on credit risk matters.
- 5+ years of experience in Manual Credit Underwriting, preferably in retail mortgages (both regulated and non-regulated).
- Experience managing problem debt, arrears, and forbearance.
- In-depth knowledge of credit risk, financials, credit reports, and valuation assessments.
- Ability to influence and collaborate effectively with colleagues at all levels.
- Strong written and verbal communication skills, with excellent stakeholder management capabilities.
- Experience working in a start-up or fast-paced environment is preferred.
