Review lending applications secured by insurance and wealth assets; exercise delegated lending authority to approve or decline applications.
Provide clear, well supported rationale for underwriting decisions.
Review and analyze loan applications and supporting documentation to ensure compliance with policies, guidelines, and regulatory requirements.
Maintain credit portfolio quality within established risk appetite and regulatory standards, minimizing loan losses through sound adjudication.
Collaborate with internal partners to strengthen risk practices and recommend structural enhancements to protect the company’s position in the event of default.
Escalate credit applications exceeding delegated limits to the appropriate approval authority.
Drive continuous improvement in origination and adjudication quality and support a strong risk based culture.