Avp Risk Manager Santander Bank Na
CurrentResponsible for $8B HE Portfolio. Key in developing, managing, and executing the risk strategy for the Home Equity Business Line. Charged with structuring and optimizing credit policies and segment specific guidelines in order to drive sustainable and profitable growth within risk appetite and regulatory guidance. Collaborates cross functional partnerships to ensure credit risk strategies and broader business line objectives are achieved. Uses data mining techniques and analysis to expose risk adjusted opportunities. Monitors internal, industry specific trends to ensure credit policy is fit for purpose. Assists in the development, maintenance and monitoring of origination credit policies, procedures, and lending stipulations. Sets and manages risk tolerances for key performance indicators based on risk appetite and regulatory guidance. Effectively summarizes and communicates origination trends, underwriting execution, and credit performance to senior management. Provides appropriate oversight of underwriting quality through on-going quality control testing. Performs collateral tracking and valuation analysis. Partners with Business Line to set and execute the credit risk strategy. Has a critical role to play within the Home Equity Team and functions as an integral partner with the Business Line leadership team, participating in setting product line vision, strategy, and goals. Has the the ability to form and leverage strong cross functional partnerships across the business in order to execute on the strategy of delivering sustainable and profitable organic growth as well as fostering and embedding a strong risk culture.
