Lending Portfolio Manager
1 day ago
Credit Policy Manager Job Description:
The Credit Policy Manager is responsible for creating, reviewing, and updating UNObank's credit policies to ensure alignment with business objectives and regulatory requirements. This role requires expertise in credit risk management, regulatory compliance, and leadership.
Key Responsibilities:
- Policy Development: Create, revise, and implement credit policies and procedures that govern the organization's credit risk management.
- Risk Management: Develop risk assessment models and strategies to monitor and manage the credit risk of lending portfolios.
- Approval Frameworks: Establish and oversee credit approval processes and ensure adherence to company policy and regulatory standards.
- Portfolio Performance: Monitor credit portfolio performance, identify trends, and take proactive measures to minimize delinquencies and losses.
- Cross-Functional Collaboration: Work with various teams such as Risk, Underwriting, Compliance, and Product Development to ensure cohesive credit policy implementation.
- Regulatory Compliance: Ensure all credit policies comply with relevant legal and regulatory requirements, including local and international regulations.
- Reporting and Analysis: Generate periodic reports and analyses on credit performance, risks, and policy outcomes, presenting findings to senior management.
- Team Leadership: Lead and mentor a team of credit analysts and other professionals involved in credit risk management.
- Process Enhancement: Continuously review and enhance credit policy processes to ensure they are efficient and in line with industry best practices.
Required Qualifications:
- Bachelor's degree in Finance, Economics, Business Administration, or a related field; MBA or advanced degree preferred.
- 7+ years of experience in credit risk management, preferably in financial services.
- Proven experience in developing and implementing credit policies.
- Strong understanding of regulatory requirements in the credit industry.
- Excellent analytical and problem-solving skills with the ability to interpret complex data.
- Leadership and team management experience.
- Strong communication skills, both written and verbal, with the ability to present to senior stakeholders.
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