Credit Risk Underwriting Manager
4 weeks ago
- Reviewand analyze credit applications financial statements and creditreports to assess the creditworthiness ofapplicants.
- Evaluate the risk associated witheach credit application and make recommendations for approval ordenial.
- Follow established underwritingpolicies and procedures to ensure consistency andcompliance.
- Stay informed about industry trendsmarket conditions and changes in underwritingguidelines.
- Assess various risk factorsincluding credit history income debttoincome ratio and collateralvalue.
- Utilize risk models and scoring systemsto make objective and consistent creditdecisions.
- Communicate credit decisions toapplicants and when necessary provide explanations fordenials.
- Collaborate with sales and customerservice teams to address inquiries and provide guidance oncreditrelated matters.
- Maintain accurate andcomplete records of credit decisions including supportingdocumentation.
- Ensure compliance withdocumentation requirements and regulatorystandards.
- Work with customers to obtainadditional information or clarification on creditapplications.
- Provide exceptional customerservice by addressing inquiries and concerns professionally andpromptly.
- Participate in ongoing training tostay updated on industry best practices and evolving underwritingstandards.
- Identify opportunities for processimprovement and contribute to the enhancement of underwritingpractices.
Qualifications:
- Bachelorsdegree in Finance Business Economics or a relatedfield.
- 5 years of experience in credit riskunderwriting.
- Strong analytical andproblemsolving skills.
- Familiarity with creditscoring models and underwritingsoftware.
- Knowledge of relevant regulations andcompliance standards.
- Excellent communicationand interpersonal skills.
- Detailoriented withthe ability to manage multiple tasksefficiently.
- Ability to make sound creditdecisions based on comprehensiveanalysis.
underwriting,risk,customerservice
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