JOB INFORMATION

Develop, recommend, and implement credit risk standards for products or assets the company finances or underwrites. Assess and approve credit limits and monitor credit exposure for routine and complex transactions. Apply credit management models to current assets or underwritten products to recommend shifts in collateral or reserves to mitigate credit risks.

KEY JOB FUNCTIONS

Conduct credit analyses using advanced methods and tools of aggregated data provided by lenders, clients of the organization, or other sources of data.

Examine risk elements of proposed deal, purchase, or existing relationship with a client and make recommendations to management regarding continuing to closure, or additional credit enhancements needed to make deal more acceptable.

Work with unit staff who assign credit scores to aggregated data from multiple loans based on the company's proprietary underwriting or loan origination software to ensure conformity to corporate standards.

Take lead in maintaining data integrity of proprietary credit rating or underwriting applications and assist as a business-end user in their systems enhancements.

Research value frauds and patterns, initiate and contribute to new tools for detecting value-related fraud. Make recommendations for new policies to minimize fraud and control other risks more effectively.

Develop model approaches to new credit enhancement and risk sharing agreements. Work with business unit management to determine appropriate strategies for entering new mortgage markets with high model uncertainty.

Advise marketing staff or customers about corporate credit policies and counsel them to adopt practices that assure better chance of success in deals or transactions.

Lead analytical, policy development, or integration effort within business unit or with other corporate departments.