Job Summary: 

• Supporting O&R leadership to ensure Mollie has a holistic view of the financial exposures on existing portfolio and defining appropriate recommendations to mitigate risks.
• Drive the development and continuous improvement of client portfolio management and settlement.
• Coach, mentor and assist peers in the credit risk team and take ownership of more complex escalations.
• Responsible for the entire credit life cycle of a merchant through applying measures at onboarding and monitoring existing merchant activity.
• Identify risks in the portfolio and take proactive action towards a respective client.
• Analyse financial and bank statements to assess credit worthiness and develop a view of merchant financial health and any risk to Mollie’s operations.
• Analyse a wide range of data - business models, credit scores, external & internal processing data, bank statements, peer comparisons etc. to develop a view of a merchant’s risk profile & Mollie relationship.
• Communicate professionally and effectively with cross-functional stakeholders on risk insights and recommendations.
• Maintain accurate and thorough documentation and audit trails of underwriting assessments, reports, methodologies, etc. in a timely manner.

Skills on Resume:

• Financial Risk Analysis (Hard Skills)  
• Portfolio Management (Hard Skills)  
• Credit Risk Assessment (Hard Skills)  
• Data Analysis (Hard Skills)  
• Cross-Functional Communication (Soft Skills)  
• Coaching and Mentoring (Soft Skills)  
• Proactive Risk Management (Soft Skills)  
• Documentation and Audit Compliance (Hard Skills)  

Job Summary: 

• Responsible for the entire credit life cycle of a merchant through applying measures at onboarding and monitoring existing merchant activity.
• Assess and approve applications from a credit, fraud and compliance perspective.
• Identify risks in the portfolio and take proactive action towards a respective client.
• Assist in development and continuous improvement of client portfolio management and settlement.
• Constitute data flow to ECL calculation
• Calculation of ECL of Bank's each portfolio according to guideline on ECL allowances in accordance with IFRS9
• Reporting the ECL results to related counterparties
• Be a part of the project on implementation of new IFRS9 ECL calculation & tool management
• Be a part of establishment of credit risk datamart project
• Update credit risk policies on a regular basis
• Run regular stress testing on credit portfolios

Skills on Resume: 

• Credit Risk Assessment (Hard Skills)  
• Fraud and Compliance Analysis (Hard Skills)  
• ECL Calculation (Hard Skills)  
• IFRS9 Compliance (Hard Skills)  
• Data Management (Hard Skills)  
• Project Management (Hard Skills)  
• Continuous Improvement (Soft Skills)  
• Proactive Risk Management (Soft Skills)  

Job Summary: 

• Support RBO management and leadership in developing and executing effective and tailored supervision programs for evaluating credit risk consistent with Reserve Bank and System Regional Banking Organization standards and expectations.
• Monitor issues, trends, and developments of RBO supervised institutions through the review of internal management reports, regulatory filings, regulatory surveillance reports, regulatory examination reports and work papers.
• Document analysis of financial and/or business issues, highlighting emerging issues/trends that warrant further review, and prepare timely periodic reports/supervisory products for RBO management, FRBSF management, and other constituents.
• Assist in the development of supervisory documents, such as quarterly reports, MIS and metrics, and the risk assessment and supervisory plan. 
• Maintain supervisory databases.
• Work collaboratively across supervisory teams to improve the consistency of approach, facilitate the sharing of best practices, develop peer perspective, and identify emerging issues for horizontal reviews.
• Act as Examiner-in-Charge of supervisory events and conduct horizontal reviews related to credit risk.
• Coordinate on-site inspection and examination activities and assess findings, conclusions, and recommended ratings. 
• Manage examiners throughout this process, review products, provide coaching, mentoring and performance feedback.
• Ensure that examination/inspection activities are scheduled and appropriately staffed, objectives are clearly articulated, and products are analytically sound, well-supported, and consistent with Reserve Bank and RBO standards and expectations.
• Develop and maintain effective working relationships.
• Maintain an open and honest dialogue with RBO management team to support a risk-focused continuous supervision model that leverages communication and access to company management and internally generated risk reporting.

Skills on Resume:

• Supervisory Program Development (Hard Skills)  
• Financial Analysis (Hard Skills)  
• Regulatory Reporting (Hard Skills)  
• Database Management (Hard Skills)  
• Cross-Team Collaboration (Soft Skills)  
• Leadership and Management (Soft Skills)  
• Effective Communication (Soft Skills)  
• Relationship Building (Soft Skills)  

Job Summary: 

• Review, assess, and report on client and firm account deficiencies to ensure timely resolution to account shortfalls. Execute sellouts on overdue deficient accounts or accounts that pose an imminent credit risk.
• Escalate to management potential credit risks related to specific client accounts or accounts that hold principle positions.
• Demonstrate a good understanding of IIROC rules, regulations, and conducts pertaining to client margin and cash accounts. 
• Ensure that clients are adhering to FCC’s house policies and the Canadian regulatory rules, regulations, and guidelines.
• Review and approve client withdrawals (cheque, wire transfer and electronic fund transfer) in a timely manner. 
• Monitor and approve cash and securities movements in accordance with SLA’s and Credit Risk and Compliance policies.
• Review and deliver timely, accurate resolutions to internal and external client email requests pertaining to credit risk issues, asset movements, internal policies, and general inquiries.
• Foster and build relationships with introducing brokers and portfolio managers to ensure FCC’s credit and risk policies and procedures are understood, supported, and reinforced to target best practices that contribute to FCC’s risk vision.
• Complete reporting to internal stakeholders and Senior Management Team. 
• Compiling and analyzing data into regular and ad-hoc reports, and dashboards.
• Keeps abreast of economic and markets developments by using Bloomberg and/or Google Finance to inform decision making and credit risk policies.

Skills on Resume:

• Credit Risk Management (Hard Skills)  
• Regulatory Compliance (Hard Skills)  
• Client Account Management (Hard Skills)  
• Data Analysis (Hard Skills)  
• Financial Reporting (Hard Skills)  
• Stakeholder Communication (Soft Skills)  
• Relationship Building (Soft Skills)  
• Decision Making (Soft Skills)  

Job Summary: 

• Perform credit assessment on business loan applications for Sellers, taking action following Square's risk policies
• Monitor business loan accounts to maintain default rate within investor requirements and perform recovery tasks 
• Analyse risks associated with different seller business models and card processing patterns
• Document decisions and rationale following underwriting guidelines
• Communicate with sellers by phone and email, including investigative-level conversations
• Work with internal partners including Legal, Fraud, and Compliance and multiple levels of management
• Surface opportunities to improve tools, workflow and customer experience and contribute to Credit Risk initiatives
• Participate in ongoing training to maintain current knowledge of AML/KYC requirements and perform AML/KYC responsibilities
• Meets or exceeds targeted credit analysis and reviews of customers, delinquency, dispute, and other quantitative targets.
• Establishes, implements, and maintains an effective delinquency control and follow up program for all customer accounts that are late, delinquent, potentially delinquent, or written off.
• Executes the credit risk process for defined customers (e.g. strategic customers) 

Skills on Resume:

• Credit Assessment (Hard Skills)  
• Risk Analysis (Hard Skills)  
• AML/KYC Compliance (Hard Skills)  
• Delinquency Management (Hard Skills)  
• Documentation Skills (Hard Skills)  
• Interpersonal Communication (Soft Skills)  
• Collaborative Problem Solving (Soft Skills)  
• Continuous Improvement (Soft Skills)  

Job Summary: 

• Assist in managing the credit granting process
• Ensure compliance with accounts receivable working controls
• Assist and work with the Risk Management Team
• Assist with risk management processes and decisions
• Check on pending items in the credit control module (CCM) and completing releases as per financial guidelines and catalogue of competence
• Run and complete analysis for the credit limit and credit control report (CCM vs CL)
• Analyze delayed invoices and submit the report to business units for follow ups
• Complete internal control system checks as per finance guidelines
• Assist with the KPIs for credit section on a monthly basis (i.e., Exceed Report)
• Coordinate communication with Credit Insurance for Credit coverage
• Liaise with Collection Team with ultimate escalation of credit limit or overdue situation
• Ensure that credit goals are achieved, and accurate business records and sound bookkeeping procedures are maintained on the credit control memo
• Maintain awareness of relevant financial, regulatory, and industry information
• Escalate to management any critical credit limit exposures

Skills on Resume:

• Credit Risk Management (Hard Skills)  
• Accounts Receivable Compliance (Hard Skills)  
• Financial Analysis (Hard Skills)  
• Regulatory Awareness (Hard Skills)  
• KPI Management (Hard Skills)  
• Interdepartmental Coordination (Soft Skills)  
• Effective Communication (Soft Skills)  
• Problem Resolution (Soft Skills)

Job Summary: 

• Combine technical and analytical skills with business acumen to produce and evaluate risk reports
• Investigate portfolio developments to identify quantitative and qualitative risk drivers
• Provide reasoned, concise commentary for portfolio credit officers, divisional and entity chief risk officer (cro) teams, senior management, regulators, and other stakeholders
• Provide solutions, support findings, and propose portfolio steering measures
• Proactively and cooperatively question results to ensure accuracy
• Collaborate with technology and support teams for both break / fix analysis and new build projects to automate and democratize risk data
• Standardize, simplify, and automate reporting processes
• Support risk change projects as a reporting subject matter expert (SME)

Skills on Resume: 

• Risk Reporting (Hard Skills)  
• Quantitative Analysis (Hard Skills)  
• Data Standardization (Hard Skills)  
• Project Support (Hard Skills)  
• Stakeholder Communication (Soft Skills)  
• Collaborative Problem Solving (Soft Skills)  
• Critical Thinking (Soft Skills)  
• Technical Collaboration (Soft Skills)  

Job Summary: 

• Lead regulatory interactions for the first and second lines of defense in credit risk management topics, including leading preparation for the various examinations/interactions, notably the Shared National Credit examination
• Advise and assist in the remediation of any regulatory or audit findings (from internal or external auditors and regulators).
• In conjunction with the Regulatory Affairs Project Management team, conduct periodic review of front-to-back processes, working with first line and support/control groups to enhance processes and controls to ensure compliance with best practice/regulatory guidance.
• In conjunction with the Regulatory Affairs Advocacy, analyze changes in regulatory environment and its impact on business and credit risk framework, and provide solutions to implement relevant changes in coordination with Business and support/control functions.
• Advise the first and second line of defense in the planning and delivery of strategic or regulatory compliance related projects to optimize/ensure continued best practice in credit risk management process.
• Advise on credit risk framework and policies, including assisting with the interpretation and implementation of regulatory guidance (new and existing) as well as with potential initiatives related to credit risk
• Advise on the development of the risk appetite statement and risk appetite statement as it relates to credit risk
• Assist with the coordination of responses to Audit reviews that have a credit risk element
• Coordinate with head office on the development and implementation of credit risk policies
• Conduct periodic assessment and review of the credit analyses conducted by the various origination and portfolio management teams on specific sample files to test compliance with various policies and regulatory guidance. 

Skills on Resume:

• Regulatory Compliance (Hard Skills)  
• Credit Risk Management (Hard Skills)  
• Policy Development (Hard Skills)  
• Audit Response Coordination (Hard Skills)  
• Process Review and Enhancement (Hard Skills)  
• Strategic Advising (Soft Skills)  
• Stakeholder Engagement (Soft Skills)  
• Project Management (Soft Skills)  

Job Summary: 

• Monitor accounts daily through contact with the sales floor, clients, and internal tools/systems
• Conduct thorough analysis of credit requests, including new requests and ongoing credit review of each active client
• Provide recommendations tied to analysis and assessment of credit risk
• Present analysis, findings, and recommendations to managers, especially findings that involve a client’s ability to pay
• Review client contracts and service agreements that exist in either the Company template or Client template.
• Analyze financial data and risk ratios to determine appropriate risk for portfolios.
• Work with various vendors to evaluate credit risk accurately.
• Build out monthly, quarterly, and annual reporting for leadership teams.
• Interact with various business partners to ensure proper risk assessment

Skills on Resume: 

• Credit Analysis (Hard Skills)  
• Financial Data Analysis (Hard Skills)  
• Risk Assessment (Hard Skills)  
• Report Development (Hard Skills)  
• Contract Review (Hard Skills)  
• Presentation Skills (Soft Skills)  
• Stakeholder Communication (Soft Skills)  
• Collaborative Problem-Solving (Soft Skills)  

Job Summary: 

• Conducting comprehensive risk assessments of high-profile customers upon onboarding and for recurring audits. Help to quickly identify the key risk elements and determine adequate risk mitigation levers
• Underwriting of special financing requests, setting maximum financing limits and additional requirements
• Shaping new policies and processes for growing B2B buy-now-pay-later product and the upcoming international expansion
• Design and use monitoring dashboards to track the risk performance of  customers as well as ensure the best possible customer experience
• Contact customers to obtain needed financial information to review customer accounts
• Review orders frequently throughout the day and take action 
• Review supporting information to maximize sales and mitigate risk
• Perform system transactions within SAP
• Review customer accounts to ensure accurate limits are set based on available financial information
• Establish relationships and maintain close contact with the appropriate Business and Corporate personnel regarding credit risk situations
• Coordination of accounts for regular review

Skills on Resume:

• Risk Assessment (Hard Skills)  
• Underwriting (Hard Skills)  
• Policy Development (Hard Skills)  
• SAP Proficiency (Hard Skills)  
• Dashboard Monitoring (Hard Skills)  
• Stakeholder Communication (Soft Skills)  
• Customer Relationship Management (Soft Skills)  
• Coordination Skills (Soft Skills)  

Job Summary: 

• Preparation of credit reviews including analysis of a borrower’s historical performance, corporate structure (shareholder structure, guarantors, subsidiaries) and industry as well as preparation of financial forecasts
• Analysis of the structure of new deals and preparation of recommendations on how to enhance structural protection through covenants, different collateral types, additional guarantees
• Periodic review of loan documentation and financial reports
• Monitoring of own portfolio and analysis of early-warning signals
• Presentation of risk conclusion to the Head of Credit Risk Division
• Preparation of recommendations and calculations of expected credit losses according to IFRS9
• Prepare regular reviews of credit risk limits
• Participation in projects connected with the Department’s activity.
• Developing and validating credit and market risk models and parameter
• Use predictive analytics and machine learning techniques around AML, fraud and other operational risks
• Stress testing and scenario analysis

Skills on Resume: 

• Credit Analysis (Hard Skills)  
• Financial Forecasting (Hard Skills)  
• Loan Documentation Review (Hard Skills)  
• IFRS9 Compliance (Hard Skills)  
• Predictive Analytics (Hard Skills)  
• Risk Model Validation (Hard Skills)  
• Effective Presentation (Soft Skills)  
• Project Participation (Soft Skills)  

Job Summary: 

• Provide FCA expertise across the credit risk function and work closely with FCA experts from other parts of the business ensuring remain compliant with regulations.
• Provide subject matter expertise and input into strategic projects to define requirements, improve processes and optimise customer journeys from a credit risk perspective.
• Be accountable for ensuring that critical credit risk policies, processes and authentication strategies are designed to be compliant and executed to adhere to regulation.
• Document key credit risk policies and processes to ensure compliance with external standards.
• Act as credit risk SME for FCA regulation across credit risk life cycle
• Define and develop strategies to reduce fraud and bad debt.
• Work collaboratively with channel leads, legal, compliance and other business areas on the implementation of credit risk owned and regulatory driven changes
• Financial instruments and commodities risks management and valuation  
• Process, cleanse and verify the integrity of data used
• Provides guidance to assist staff in reaching their full potential (willingly addresses questions, contributes constructive on-the-job feedback and training, con­ducts meaningful and timely performance reviews).

Skills on Resume: 

• FCA Regulation Compliance (Hard Skills)  
• Credit Risk Management (Hard Skills)  
• Policy Documentation (Hard Skills)  
• Fraud Reduction Strategies (Hard Skills)  
• Data Integrity Verification (Hard Skills)  
• Strategic Collaboration (Soft Skills)  
• Mentoring and Coaching (Soft Skills)  
• Performance Management (Soft Skills)