I am currently working on a Consumer Risk Portfolio Manager role focused on residential mortgage and home equity. In this role you will oversee a substantial residential mortgage and home equity portfolio, shape lending policies, and optimize risk and return through data analysis and financial modeling. Candidates should have at least 4-7+ years of relevant experience in credit risk, real estate lending, and proficiency in data analysis tools such as SAS, SQL, or Excel.
Responsibilities:
- Shape lending policies based on risk appetite, regulatory requirements, and market trends.
- Analyze data using tools like SAS, SQL, Power BI, and Excel to understand the impact of policy changes.
- Optimize risk and return on assigned portfolios through financial modeling.
- Collaborate with cross-functional teams including Product Management, Finance, Operations, Compliance, and Marketing.
- Present key insights from business and policy initiatives at the executive level.
Qualifications:
- 4-7 years of relevant experience in Consumer Lending Portfolio Management or Underwriting.
- Deep understanding of real estate lending regulations and practices.
- Proficiency in data analysis tools (SAS, SQL, Excel) and financial concepts (NPV, discounted cash flows, P&L analysis).
- Knowledge of risk management metrics, industry trends, and regulatory requirements.
- Experience in supporting accurate risk reporting and contributing to strategic planning.
