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Residential Mortgage Portfolio Manager

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Goodman Masson

2021-12-03 07:33:41

Job location Barkingside, Greater London, United Kingdom

Job type: fulltime

Job industry: Banking & Financial Services

Job description

What you'll be doing:

  • Managing matters pertaining to underwriting and credit risks independently and represent funder at the Underwriting Credit Committee and its Exceptions Lending Sub-committee (as chair).
  • Leading residential mortgage portfolio management from a funder standpoint.
  • Maintaining and enhancing portfolio composition analyses to identify build-up of credit and property risk concentrations within the portfolio (e.g. arrears, flood risks, low value properties)
  • Monitoring portfolio in the context of servicing arrangements between the lender and funder and develop recommendations/management actions to address any potential issues as appropriate
  • Leading internal stake holders to reach solutions to emerging risk and policy challenges such as climate change
  • Develop and implement the Firm's residential mortgage portfolio management framework in line with the firm's risk appetite. This will entail development and enhancement of lending limits.

What we're looking for

  • Deep understanding of credit and lending policies acquired through working at a residential mortgage lender, rating agency or mortgage risk advisory firm
  • Strong awareness of mortgage regulations and property market developments and opportunities
  • Experience in monitoring portfolios for lending risks and credit performance
  • Experience in equity release mortgage originations or risk management will be an advantage
  • Strong written and verbal communication skills
  • Underwriting policy management experience

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