Supervisor underwriting teamu

Recruiting, organizing and training of underwriting team, ensuring their compliance with bank underwriting regulation and minimizing fraud risk. Making decision about high-ticket loan applications and special cases. Giving constant feedback and providing local country knowledge to Risk Department on the processes and risk policy of bank credit products.

You would be developing retail credit risk culture within underwriting team, identifies current and potential problems regarding the assessment of credit and fraud risks as well as key operational aspects of retail lending business in order to assure that credit losses are optimized and earnings are maximized. You would also be responsible for ensuring that originated loan portfolio is in line with target risk parameters set up by the Senior Management.

* Supervise the work of underwriting team (around 8 FTEs), ensure that established and agreed KPIs are met
* Be responsible for overall credit portfolio quality in terms of risk costs and portfolio triggers, ensure that given by the Management targets are not breached
* Creation and submission for the HO management approval of the Underwriting Manual describing the steps of loan verification and decision taking
* Review, evaluate and decide on selected PI loans applications (high-tickets, “grey area” applications, special cases, etc.) in line with standard requirements of the bank
* Ensure that fraudulent applications are recognized, rejected and appropriate measures are taken to minimize the fraud
* Provide constant feedback and advice on the improvements necessary in the bank credit policy, application/underwriting, fraud verification, etc. Be a local knowledge source for HO risk teams.
* Coordinate all work related to SK and CZ external services (credit bureaus, external registered, social insurance databases, etc.) and ensure that contractual agreements are fulfilled.
* Regular participate at branch review meeting and provide constant feedback to management on the lending portfolio trends
* In addition to the stated above, it is expected from the employee to perform additionally assigned tasks as defined and requested by Head of Risk Management

* Flexible working hours
* CAFETERIA – an open system of optional benefits
* Supplementary pension fund saving - 3RD PILLAR DDS
* Additional vacation days
* Interesting trainings
* Parking
* Work in young, dynamic and inspiring team

Bankovníctvo, peňažníctvo

Spoločnosť pôsobiaca v oblasti bankovníctva