Credit Risk Underwriting Manager

• Review and analyze credit applications financial statements and credit reports to assess the creditworthiness of applicants.
• Evaluate the risk associated with each credit application and make recommendations for approval or denial.
• Follow established underwriting policies and procedures to ensure consistency and compliance.
• Stay informed about industry trends market conditions and changes in underwriting guidelines.
• Assess various risk factors including credit history income debttoincome ratio and collateral value.
• Utilize risk models and scoring systems to make objective and consistent credit decisions.
• Communicate credit decisions to applicants and when necessary provide explanations for denials.
• Collaborate with sales and customer service teams to address inquiries and provide guidance on creditrelated matters.
• Maintain accurate and complete records of credit decisions including supporting documentation.
• Ensure compliance with documentation requirements and regulatory standards.
• Work with customers to obtain additional information or clarification on credit applications.
• Provide exceptional customer service by addressing inquiries and concerns professionally and promptly.
• Participate in ongoing training to stay updated on industry best practices and evolving underwriting standards.
• Identify opportunities for process improvement and contribute to the enhancement of underwriting practices.

• Bachelors degree in Finance Business Economics or a related field.
• 5 years of experience in credit risk underwriting.
• Strong analytical and problemsolving skills.
• Familiarity with credit scoring models and underwriting software.
• Knowledge of relevant regulations and compliance standards.
• Excellent communication and interpersonal skills.
• Detailoriented with the ability to manage multiple tasks efficiently.
• Ability to make sound credit decisions based on comprehensive analysis.

underwriting,risk,customer service