• Work with internal stakeholders to identify key risk areas and provide recommendations on policy, guidelines and processes.
• Actively contributing support and participation in new corporate initiatives and encourages team members to do the same.
• Make recommendations to Senior Manager with respect to appropriateness and effectiveness of existing policies and procedures, changes to operating procedures and the need for lending training.
• Keep current with changes to policies, procedures and processes, trends in retail banking, credit, technology and regulatory issues that may have an adverse impact on Coast Capital as well as keeping current on retail lending industry trends and latest frauds in the market in order to mitigate risk.
• Proactively promote a strong credit risk management culture across Coast Capital as well as build collaborative relationships with others in the division and the organization, cultivating strong internal partnerships to accelerate successful strategy implementation.
• Perform specialized retail lending reviews with respect to the achievement of corporate objectives, compliance with statutory and regulatory requirements and internally mandated policies and procedures.
• Plan, organize and perform risk-based reviews and project assurance reviews that are designed to add value and help improve Coast Capital operations.
• Work collaboratively with all three lines of defense to build positive relationships and effective approaches to managing regulatory risks
• Conduct 2LoD control testing and challenge for compliance requirements and risks by assessing the effectiveness and efficiency of credit risk controls, monitor for and identify trends, make recommendations for changes to mitigate risk, and escalate
• Foster a compliance culture by ensuring appropriate credit risk management processes are embedded within business systems.

Skills: Risk Identification, Policy Development, Stakeholder Collaboration, Regulatory Compliance, Credit Risk Management, Retail Lending Review, Control Testing, Compliance Culture Promotion

• Analyze credit data and financial statements of entities to evaluate credit position of all programs and consult as requested with partner agency leadership.
• Recommend and draft Special Risk credit protection plans, payment arrangements, billing procedures and other appropriate items, as well as grant credit terms for payment of premium or risk acceptance as appropriate.
• Collaborate closely with producers and underwriters to discuss credit risk recommendations and verification of policy estimates, including participating in account and agency visits
• Minimize bad debt risk and maximize accounts receivable collections through analysis of adequacy of collateral on hand
• Ensure established standards for turnaround time are met, in adherence to the service model and promoting a strong customer service focus.
• Ensure accuracy of output from team through verification and cross checking
• Review and analyze detriments to current process, participate in quality testing and review of results as needed to ensure data accuracy. Recommend coding or system process improvements.
• Maintain company standard of customer service and ensure excellent relationship persists.
• Performs remaining enabling credit risk activities (e.g. reviews of limits, risk, etc.).
• Follows up on relevant queries/disputes resolve escalations in close cooperation with the business and authorizes blocking or releasing sales orders based on defined approval matrix.
• Responsible for compliance of ICS checks (internal control standards)and SoX

Skills: Credit Data Analysis, Financial Statement Evaluation, Special Risk Plan Development, Collaboration with Producers and Underwriters, Accounts Receivable Management, Process Improvement, Customer Service Excellence, Compliance with Internal Controls

• Engaging stakeholders and elicit the requirements required for Methodology and Systems changes.
• Documenting requirements and user stories and collaborate with Technology team to implement these requirements as efficiently as possible.
• Analysing and document the current state and future state of the system.
• Working with the project manager and Technology teams to ensure solution is moving towards the business outcomes.
• Developing success criteria and a test strategy for all systems changes. 
• Perform progression and regression testing of the changes to ensure the solution is delivered exactly as per the specifications.
• Contributing to the enhancement and improvement of overall platform.
• Identify new clients by collecting and processing legal and financial documents regarding the client onboarding
• Perform analysis of credit risks & KYC on new clients such as PEP, sanctions and name screening
• Assess (complex) merchant structures and provide an overview of the ownership and management structure
• Analyze (future) transaction patterns and compliance documents post-underwriting

Skills: Stakeholder Engagement, Requirements Gathering, System Analysis, Collaboration with Technology Teams, Test Strategy Development, Progression and Regression Testing, Client Onboarding, Credit Risk and KYC Analysis

• Develop and improve the credit decision-making process
• Be responsible for decision criteria and infrastructure design
• Ensure the product profitability through credit risk underwriting and pricing logic
• Continuous credit risk monitoring on the partner and customer segment level
• Create and update analytical views and reports
• Provide feedback and input to product managers
• Support the Sales team in view of client onboarding and - reviewing, gather and review the required documents (i.e. copy of passport/ bank statement, Chamber of Commerce extract, permits and statutes)
• Collaborate with internal stakeholders and assess credit risks
• Consistently explores clients' banking needs and pro-actively sells a full range of bank products including Trade, Cash, FX, and Loans, and corporate finance.
• Performs credit analyses and prepares credit reviews for customers.
• Strictly abides by the requirements of compliance and internal control on sales activities.

Skills: Credit Decision-Making, Infrastructure Design, Credit Risk Underwriting, Risk Monitoring, Analytical Reporting, Client Onboarding Support, Stakeholder Collaboration, Compliance Adherence

• Measured, analyzed, controlled, and managed at a bank. 
• Identifies and converts target customers leveraging different channels
• Establishes maintains and develops a valuable relationship with target customers and delivers high-quality service.
• Develop analytical methods to monitor the credit risks in the portfolio.
• Support in model development of regulatory models for IRB-modelling.
• Forecasting and describing developments in provisions, risk costs, RWA, and arrears are important components.
• Collaborating with Risk managers within the department to develop and validate an adequate credit risk policy.
• Collaborating with the front office, as well as the ING Group Risk and Finance departments, to align the various interests and to exchange knowledge.
• Collaborating with IT system owners, to ensure adequate data/platform management.
• Be the main point of contact for any credit risk queries within the business

Skills: Credit Risk Management, Customer Relationship Development, Analytical Methods, IRB Model Development, Risk Forecasting, Credit Risk Policy Development, Cross-Departmental Collaboration, Data Management

• Design and implement a process for new customers to be assessed for creditworthiness
• Provide recommendations to the AR & Collections manager for adding credit limits and credit risk into the wider credit policy, to manage risk but maximize sales
• Work alongside SAP development team for management of credit risk/credit limit from a system perspective
• Work alongside the Master Data team to embed the agreed process in the SAP database
• Analyze and implement the agreed processes for existing customers
• Work with OTC GPO to Design and implement a Dunning Process for low value/high volume sectors
• Maintain an ongoing review process on customers' overall financial stability
• Manage process when customers have exceeded agreed limits
• Escalate areas of credit risk to business units and group finance management team
• Provide risk analysis reporting for effective decision making for Divisional Finance Directors and business managers

Skills: Credit Risk Assessment, Process Design, SAP Management, Data Analysis, Credit Policy Development, Customer Financial Stability Review, Dunning Process Implementation, Risk Reporting

• Experience of the underlying regulations and practices
• Have familiarity with the broker dealer industry, as well as securities clearance and settlement processes.
• Have the ability to effectively interface/communicate with customers, team members, lines of business, and senior Credit Risk management.
• Should display strong credit and analytical judgment, while making decisions in a timely manner. 
• Highly visible, client-facing role in a fast-paced environment that demands quick thinking, problem solving, and effective relationship skills.
• Experience in credit, underwriting, finance, or related
• Experience or demonstrated understanding of financial statement analysis
• Previous experience in commercial banking or card processing
• Written and verbal communication skills
• Strong sense of accountability for helping team achieve its collective goals and best-serve customers
• Must be a team-oriented person with a willingness to contribute new ideas, collaborate, and learn from and mentor others

Qualifications: BA in Statistics with 2 years of Experience

• Proficiency in SAS and MS Excel
• Strong analytical and quantitative skills
• Previous experience with credit risk strategy development and implementation in financial service industry
• Strong verbal and written communication skills
• Strong analytical, quantitative skills with ability to gather, analyze, package, and present analytical findings in an insightful and logical manner
• Dedicated, enthusiastic, performance-orientation, and strong work ethic
• Attention to detail, strong project management and organization skills
• Strong partnership and problem solving skills
• Proficient with data extraction/mining tools and ability to perform large data management
• Ability to collaborate effectively with other team members to accomplish business goals
• Ability to research, identify and implement a solution and communicate, in clear business terms, the benefits of the proposed risk management approach

Qualifications: BA in Risk Management with 3 years of Experience

• Commercial lending experience
• Strong analytical skills with high attention to detail and accuracy
• Excellent verbal, written, and interpersonal communication skills
• Ability to work and influence successfully within a matrix environment and build effective business partnerships with all levels of team members
• Distribution Finance Experience (Inventory Finance, Technology, and Vendor Finance)
• Experience with workout or troubled debt accounts
• Knowledge of Credit Polices, Field Service activities, and DF SOPs and process/systems
• Experience in audit, quality assurance, or testing and validation of credit processes for commercial portfolios, including underwriting, portfolio management, and workout activities

Qualifications: BA in Business Administration with 7 years of Experience

• Experience in Risk Management, Compliance, Lending, or other related fields 
• Must possess strong working knowledge of MS Word / MS Outlook / MS Access / MS PowerPoint/ MS Excel
• Knowledge of loan processing and/or servicing systems strongly 
• Quick-thinker, fast learner, problem solver and possess strong analytical skill
• Ability to succeed in a team-oriented work environment
• Collaborative behavior, able to quickly forge effective working relationships with a variety of personalities
• Excellent verbal and written communication skills
• Demonstrated skills in organization and strong attention to detail
• Experience identifying root cause issues and segmentation analysis
• Knowledge and understanding of financial services industry: credit risk, compliance, risk management, or audit operations

Qualifications: BA in Economics with 2 years of Experience

• Experience in work-out / capital structure restructuring and leveraged finance transactions.
• Experience in corporate credit analysis and financial forecasting, assigning ratings and sizing risk appetite.
• Experience in valuation analysis of corporates on a DCF basis.
• Familiarity with financial markets, financing and risk mitigating structures.
• Product knowledge e.g. leveraged loans, swaps, equities.
• Familiarity with legal documentation and risk issues, including LMA and bond documentation, ISDAs, CSAs, netting, and credit mitigating features.
• Working knowledge of computer applications, particularly Excel (financial modelling), PowerPoint and Word.
• Fluency in English plus one European language 
• Analytical skills, problem solving ability, and meticulous attention to detail.

Qualifications: BA in Accounting with 6 years of Experience

• Experience in direct credit risk and investment analysis and decision making experience.
• Certified in credit risk management 
• Experience as a member of a decision making credit committee/investment committee 
• Demonstrable deal making, negotiation and leadership skills in the context of debt financing risk management and problem credit management. 
• Excellent skills with MS Excel and the ability to translate concepts for data management into operational processes. 
• Native or full professional level spoken and written Spanish and full professional level (or native) spoken and written English
• Excellent analytical skills and judgment and the ability to adapt and learn quickly in a fast paced international environment. 
• Aptitude for building relationships and ability to communicate complex issues to a wide array of internal with differing levels of product experience.
• Strong problem-solving skills
• Previous experience with Counterparty Credit Risk Management.
• Advanced proficiency with SAS or SQL

Qualifications: BA in Finance with 10 years of Experience