Credit Risk Process Specialist – Mortgage Lending
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Job Location:
Monthly Salary:
Posted on:
30+ days ago
Vacancies:
1 Vacancy
Job Summary
What we do
UniCredit in Polandbelongs to one of the largest financial groups in Europe serving over 15 million Clients including one million businesses. We are building a new banking model that combines the speed and appeal of a fintech with the strength and stability of a universal bank. We draw on 150 years of experience and the unique expertise of our teams acting as the Groups pan-European innovation hub.
We are creating ultra-fast and transparent banking with an all-in-one application and new opportunities for all Clients - individual business and corporate. We provide full omnichannel service thanks to a network of flagship branches in key Polish cities and our Support Center.
Our greatest value is our People - a Team of creative experts who thrive in a dynamic and innovative environment. We focus on collaboration engagement and achieving ambitious goals.
We are looking for aCredit Risk Process Specialistto join us at this pivotal moment share our vision and help shape the future of European banking.
What you will be doing
We are looking for a Credit Risk Process Specialist with strong expertise in mortgage lending products to support the design implementation and maintenance of credit risk policies and processes. Your responsibilities will include:
Policy & Standards:Design maintain and supportmortgage credit risk policies underwriting standards and approval flows.
System Development:Define and validate system requirements forrisk decisioning process automation and analyst tools.
Quality Assurance:Lead User Acceptance Testing (UAT)and other validation activities for new credit process implementations.
Portfolio Analysis:Analyze portfolio performance track key risk indicators (LTV DTI PD) and propose targeted improvements.
Regulatory Compliance: Ensure all processes and policies adhere to Recommendation S and other relevant KNF regulations.
Skills you should have
36 years of experience in credit risk or policy with a specific focus on mortgage lending.
Domain Expertise:Deep understanding of themortgage lifecycle property valuation income verification and relevant regulatory frameworks.
Technical Skills:Proven experience inbusiness/system requirement definition and UAT; strong proficiency inSQL and Excel.
Compliance:Familiarity withRecommendation Sand Polish mortgage credit risk regulations.
Communication: Fluency in English.
What we offer
You will be provided anIndividual Development Budget dedicated to enhancing your professional skills.
If your role permits we also offerflexible work location.
You and your closest family will be covered with VIP-level private medical care which includes dental treatment and ahospitalisation package.
We care for our colleagues well being therefore we coverpsychological consultations if you ever feel you need such support.
Aion bank account without fee.
We co-sponsor your Multisport card and cover50% of its cost.
You will work on computer equipment that delivers the best user experience Apple MacBook.
Our office in Warsaw offers healthy snacks throughout the day.
Our process
Step 1:Talk with one of our Recruiters about your to date experiences and ambitions
Step 2:Meet with your future Team Manager to deep dive on the role specifics and our work environment
Our note to you
Diverse teams really are the best teams. Research shows that some candidates may hesitate to apply for a job unless they meet every requirement. If you are excited about working with us we encourage you to apply - even if youre not 100% sure. We are interested in getting to know you and learning about what you bring to the table.
Please note that we may close a job posting early if we receive a large number of exceptional applications.
Good luck!
About us
Required Experience:
IC
