Credit Manager

Your primary objective will be to ensure that the company's mortgage lending activities adhere to established credit policies and guidelines while minimizing risk exposure. This role requires a deep understanding of credit analysis, mortgage underwriting, and regulatory compliance.

• Assess creditworthiness of the clients.
• Monitor and analyze credit metrics and trends to identify potential risks and opportunities for improvement.
• Develop and maintain credit policies and underwriting guidelines for mortgage lending in accordance with regulatory requirements and industry best practices.
• Provide guidance and support to credit analysts in assessing credit risk and making sound lending decisions.
• Foster a culture of continuous improvement and professional development within the credit management team.
• Collaborate with other departments, such as loan operations and compliance, to streamline processes and improve overall efficiency.
• Monitor portfolio quality and delinquency trends, taking proactive measures to address emerging risks.
• Recommend adjustments to lending policies and procedures based on portfolio performance and market conditions.
• Communicate credit risk-related information and recommendations to senior management, board of directors, and other stakeholders.
• Participate in meetings and presentations to provide updates on credit risk management activities and portfolio performance.