Assistant Vice President Of Secured Credit Risk Policy
Overseeing and optimising the underwriting process in collaboration with the Consumer Credit Service Department. Provide valuable contributions by simplifying procedures, updating credit policies, and ensuring high-quality credit assessment while delivering effective customer service. Monitor regulatory policies and act as a second-line defence to safeguard the bank's interests. Their primary focus is to strike a balance between risk and return by establishing appropriate credit policies that maximize profitability while supporting the sustainable growth of the mortgage business. Additionally, they play a vital role in ensuring compliance with credit guidelines, procedures, and regulatory policies, while also analyzing data to enhance portfolio quality. Guidance and supervision empower the underwriting team to identify and address deficiencies in loan applications within the bank's risk appetite, ensuring adherence to established principles.
