• Manages portfolio risk by ensuring timeliness and accuracy of all credit actions
• Providing guidance on credit structure and risk rating decisions and participating in pre-flight discussions. 
• Coordinates work with Credit, Credit Risk Management and other groups, promoting consistent quality and conciseness of credit documents 
• Streamlining workflow among underwriting, credit approval and Credit Risk Management. 
• Provides initial and ongoing training to existing and new Credit Analysts. Keeps existing portfolio audit-ready.
• Establish and maintain "best practice" credit and fraud management processes and techniques that support the stated product and customer strategy
• Set and manage credit and fraud assessment policies and processes for all relevant customer touchpoints, owning the origination policies, setting thresholds and being the expert on systems to manage this
• Own fraud detection using data to identify risk, target interventions and build ongoing controls
• Find opportunities to optimise the overall credit and fraud strategy.
• Undertake analysis on portfolio performance, generating insights and identifying opportunities to improve credit and fraud management

Skills: Risk Management, Portfolio Analysis, Fraud Detection, Credit Structuring, Risk Decisions, Workflow Coordination, Policy Development, Training Development

• Partner with the Line of Business to provide detailed analysis to develop, support, and monitor strategies for both acquisition and account management. 
• Analysis to optimize approval rates, assessment of the impacts of change (e.g. regulatory)
• Providing data-driven insights to promote changes to products, target market, customer segments, systems and processes, policy, risk appetite, etc.
• Provide analysis and recommendations to achieve and maintain sustainable risk-adjusted return, remaining within both financial and non-financial risk appetite (e.g. credit, operational, compliance, and reputational).
• Provide support to the Line of Business in managing their credit risk profile, including defining and operationalizing relevant RAS metrics, in line with risk appetite.
• Managing the relationship with credit reference agencies and other relevant data providers
• Manage the relationship with tech teams to ensure systems, work effectively with internal and external data
• Monitoring and reporting and provide expert credit and fraud risk advice to internal stakeholders

Skills: Strategy Analysis, Approval Optimization, Data Insights, Risk Management, Credit Support, Agency Relations, Tech Collaboration, Risk Reporting

• Manages all aspects of existing CRE portfolio including but not limited to escrow and collateral releases, assumptions, re-tax and servicing issues
• Ensures compliance with annual surveillance guidelines, including the collection of supporting documents
• Makes decisions on escalated issues
• Establishes and implements policies and procedures to ensure compliance with Bank guidelines
• Ensures the continued credit quality of the CRE portfolio and works closely with loan production officers and supporting departments to accurately report credit quality.
• Prepares responses to examiners, internal and external auditors, ensuring appropriate remedial actions are taken
• Ensures proper documentation and tracking exists to satisfy audit requirements
• Provides weekly/monthly/annual reports to the Executive Group and completes required reporting to various Government Agencies.
• Responsible for Enterprise Risk Management and regulatory compliance, including HMDA, BSA, etc
• Ensures adherence to internal and legal guidelines.

Skills: Portfolio Management, Compliance Oversight, Issue Resolution, Policy Implementation, Credit Quality, Audit Coordination, Reporting Skills, Risk Management

• Analysis and evaluation of data to establish the credit risk of SMEs 
• Providing insights for the ongoing improvement and updating of credit models to enhance risk predictions
• Responsibility for portfolio performance (identifying higher risk areas, opportunities for expansion - assisting the credit team in enhancing credit decisions to align with desired portfolio growth)
• Balancing and managing strong book growth with increasing risk – and having a strong grasp of the impact of this on Lulalend
• Engaging with clients (internal and external) always seeking to understand their businesses to get the best outcome
• Analysing market conditions and understanding the investment environment to develop informed and measured investment decisions aimed at delivering portfolio performance year on year.
• Undertaking comprehensive position by position research, financial modelling and valuation.
• Represents the CRE Group in dealings with the Internal Audit and Compliance for audit and compliance issues
• Chairs Loan Operations meetings to discuss improvements and resolve processing issues.
• Partners with Senior Management to influence key decisions and collaborate to effectively implement change.

Skills: Credit Risk Analysis, Model Optimization, Portfolio Management, Risk Balance, Client Engagement, Market Analysis, Financial Modeling, Compliance Coordination

• Develop and deliver strategic changes to GML business to enable a future era of growth which will include partnerships supporting the PayPal commerce ecosystem.
• Manage the business’s P&L and help deliver scorecard for Financial, Customer and Employee metrics. 
• Partner with the GML Revenue Optimization team to ensure forecasts adapt to business environment and Marketing & Analytics to ensure business activities deliver those results.
• Underwriting, analyzing, processing, and servicing loans for high profile, complex accounts, and their subsidiaries
• Maintaining a high level of member engagement, consulting with members to ensure excellence with company products and services
• Independently preparing loan proposals, analyses, credit underwriting, financial modeling, and credit recommendations
• Partnering with colleagues and clients to identify and present custom financial solutions
• Monitoring credit compliance, analyzing associated risks, and consulting as necessary to develop appropriate action plans

Skills: Strategic Development, P&L Management, Revenue Optimization, Loan Servicing, Member Engagement, Financial Modeling, Solution Consulting, Credit Compliance

• Commercial banking or relevant experience
• Extensive knowledge of applicable laws and regulations, and company and business line policies and procedures
• Extensive knowledge of credit quality standards and industry-specific credit products
• Strong relationship management and business development abilities, in order to capitalize on both new and existing relationship opportunities
• Strong analytical and problem-solving skills
• Ability to work effectively with individuals and groups across the company to manage customer relationships
• Well-developed written communication and verbal presentation skills
• Significant experience in credit investing, such as mezzanine or structured finance.
• Investing experience across a range of geographies

Qualifications: BS in Finance with 5 years of Experience

• Relevant corporate development / strategy, banking / consulting, or strategy experience
• Experience with credit products 
• Knowledge of and passion for the SMB segment.
• Experience with and familiarity with a range of business disciplines including B2B product marketing, product development and management, financial planning & analysis, credit risk, and operations
• Superior analytical capabilities with a deep understanding of how a business operates
• Strong interpersonal skills, diplomacy, and client service-oriented attitude and mindset
• Proven ability to function well independently as well as in a team
• Experience navigating a highly-matrixed, cross-functional, international professional environment
• Be action-oriented with a strong and consistent track record of professional accomplishments
• Aspiration to operate as a General Manager, routinely deliver commercial results and influence a cross-functional team of peers & senior leaders

Qualifications: BA in Economics with 7 years of Experience

• Strong interpersonal skills with emphasis on relationship building both internally and with Ameris clients and prospects.
• Exceptional credit and analytical skills.
• Highly developed communication skills including the ability to write clear and concise credit correspondence.
• Capability to independently and proactively manage various relationships and effectively manage multiple priorities.
• Ability to advocate persuasively.
• Highly proficient in Moody’s software and cash flow analyses.
• Expertise in financial computer applications (primarily Microsoft Excel) and database management tools
• Credit analysis and portfolio management experience required.
• Must have CRE and C&I experience as well as working knowledge of SBA 504 and SBA 7a.
• Must possess attention to detail, accuracy in work performed, and can multi-task while maintaining focus.

Qualifications: BS in Business Administration with 5 years of Experience

• Strong understanding of portfolio and industry risk metrics
• Solid understanding of the credit life-cycle (up to and including collections)
• Providing insights on credit risk and making recommendations for credit improvements (always looking for solutions)
• Looking for ways to enhance the approval process, resulting in faster and more efficient funding (while always considering credit metrics)
• Understanding the lending platform in its entirety with special focus on the origination module
• Working closely with and supporting the credit team, Credit Team Leaders, and Head of Credit on all credit-related portfolio issues and approvals, ensuring response and turnaround times are second-to-none
• Reporting to the Head of Credit and Executive team on all credit portfolio performance and risks
• Understanding and keeping up to date on the latest technology developments and technical issues affecting credit
• Excellent PC skills required, must demonstrate the ability to mentor/coach other team members while completing their work at a high level. 

Qualifications: BS in Statistics with 4 years of Experience

• First-class academic track record and good financial modelling skills
• Willingness to be based in the Middle East full time
• Collaborative, commercial attitude to drive successful financial and business outcomes for the Credit BU and broader PayPal enterprise
• Excellent communication skills in multiple “languages”: written, verbal, presentations & Powerpoint
• Experience in data analytics/data science within banking or financial services
• Exposure to/understanding of data lineage, origination & account management systems, big data platforms, relational databases
• Excellent technical skills in SAS, SQL
• Ability to perform both macro and micro analysis and present data and insights in clear, intuitive

BS in Risk Management with 3 years of experience