WHO ARE YOU AND WHAT DO WE ASK FROM YOU?
- Accountability for implementation and maintenance of an effective credit risk management framework and credit risk oversight, including;
- Development, implementation and maintenance of policies and procedures ensuring compliance to internal and external regulatory requirements (e.g., EBA Guidelines on Loan Origination and Monitoring)
- Identifies and assesses risks to ensure processes and procedures are well managed within the bank's risk appetite
- Acts as a source of professional expertise to manage risks - and ensure risk systems and processes are fit for purpose
- Development and production of timely and insightful management reporting and accurate regulatory reporting.
- Identifies market trends related to the housing market, rental market, property valuations and translates this to potential credit risk impacts on the mortgage portfolio and underwriting criteria.
- Building strong relationships with stakeholders and demonstrating an understanding of their business area and their specific needs in relation to risk management.
- Engages with business at an early stage to shape proposals so risks are managed appropriately.
- Displays a good understanding of economic capital and macro-economic trends and considers implications when making strategic/tactical recommendations
- Analytical ability, result oriented and have good Interpersonal skills
- Academic working and thinking level
- At least 3 years relevant credit risk management experience, preferably within mortgages
- Excellent communication skills both verbal and in writing (Dutch and English) and ability to demonstrate these skills effectively across all levels of the organisation
- Good knowledge of the Dutch market and mortgage products
