Credit Risk Management

We are in search of a seasoned and meticulous Credit Manager with extensive experience in Risk Management to become part of our team. The ideal applicant will play a vital role in supervising the credit and lending procedures, ensuring adherence to regulatory requirements, and mitigating risks associated with mortgage lending operations. With an emphasis on strategic planning and operational excellence, the Credit Manager will enhance the bank's credit portfolio while upholding a robust risk control framework.

Credit Risk Management


Evaluate, monitor, and handle credit risks across the mortgage portfolio to ensure alignment with the bank's risk tolerance.
Create and implement credit risk policies and procedures tailored to mortgage banking operations.
Conduct comprehensive credit analysis for loan applications, ensuring thorough evaluation of borrowers' financial standing, creditworthiness, and collateral adequacy.


Credit Approval Process


Supervise the end-to-end credit approval process, including the assessment and recommendation of mortgage loan applications.
Set credit limits for clients in accordance with regulatory standards and organizational policies.


Portfolio Management


Routinely review and analyze the bank's mortgage loan portfolio to identify trends, risks, and opportunities for improvement.
Ensure timely reporting of credit portfolio performance and risk exposure to senior management.


Compliance and Regulatory Oversight


Guarantee full compliance with all regulatory requirements, including mortgage lending laws and guidelines.
Collaborate with external auditors and regulatory bodies to address any credit-related concerns.


Leadership and Collaboration


Guide a team of credit officers, providing direction, mentorship, and performance evaluation.
Work together with internal stakeholders, including Risk, Legal, and Operations teams, to optimize credit processes and maintain high standards of service delivery.


Job Requirements


Bachelor's degree in Finance, Accounting, Economics, or a related field. A Masters degree or professional certification (e.g., CFA, FRM, or PRM) is an added advantage.
10–15 years of demonstrated experience in credit management and risk management, with a focus on mortgage banking or related financial services.
Comprehensive understanding of mortgage lending processes, housing finance, and regulatory frameworks governing the mortgage banking industry.
Proficiency in financial modeling, credit analysis tools, and risk assessment software.
Outstanding analytical, problem-solving, and decision-making abilities. Excellent communication and leadership skills.



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