Guido Kersten Email & Phone Number

Eindhoven, Noord-Brabant, Nederland

My main task was to set up a risk management department. The following milestones have been achieved.- Risk Appetite Statement- SIRA- Risk Control Framework- Policy framework- Underwriting guidelines and Underwriting Templates- Establishment of Compliance function- Establishment of committee structure- Implementing Three lines of defense- Building a risk.

Utrecht En Omgeving, Nederland

• Setting up of the entire Risk management department.
• Writing and implementation of RM policies,
• Set up of of "third lines of defence" model,
• Implementing Risk Committee structure,
• Drafting and full roll out of Risk Control Framework
• Set up Risk Reporting.

Eindhoven

• Managing the department of 15 FTE
• Member of Risk Committee of Athlon NL and DLL NL
• Responsible for reporting and analysis of credit risk, profitability, Asset risk (Athlon) and SAM
• Responsible for client reporting Athlon NL
• Responsible for monitoring and further development of acceptance and other risk policies (Car) Leasing Consumer Finance, Commercial Finance and Factoring Netherlands
• Responsible for credit risk models DLL Netherlands

• Managing the department
• Member RC DLL FS and Athlon, responsible for reporting and analysis with the focus on Risk
• Responsible for monitoring and developing acceptance policy (Car) Leasing, Consumer Finance, Commercial Finance and Factoring Netherlands
• Responsible for credit risk models DLL Netherlands
• Involved in ORM policies and implementation thereof
• Responsible for processes concerning acceptance of customers

• Establishing and maintaining acceptance policy Mortgages
• Establishing and maintaining acceptance policy Consumer Credit
• Upholding policy rates Mortgages
• Developing and maintain management information with focus of Risk Management serving local banks
• Responsible for implementation of Basel II models within local banks
• Maintaining and improve credit approval processes (ORM)

• Implementing Basel II risk models in reports
• Establishing Datawarehouse for Basel II
• Developing and maintaining reports on risk portfolios Retail and Corporate
• Designing and implementing scenario analysis Portfolio Mortgages

• Contacts with bailiff’s offices about special care customers,
• Preparation of credit certificates corporate customers
• Project Officer Euro introduction

• Advising and selling of private savings, payment, loan and insurance products.

Post-Hbo Basisopleiding Risicomanagement,

Heao, Bestuurskunde

Education record