Portfolio Manager (Dutch Mortgages)
- Lead Dutch residential mortgage portfolio management
- Underwriting and servicing policies in the context of property and credit risks as well as market and regulatory developments; arrears and collection policies and debt management activities
- Manage matters pertaining to underwriting and credit risks independently and represent funder at governance committees.
- Maintain and enhance portfolio composition analyses to identify build-up of credit and property risk concentrations within the portfolio (e.g. arrears, flood risks, low value properties)
- Monitor portfolio in the context of servicing arrangements between the lender and funder and develop recommendations/management actions to address any potential issues as appropriate
- Lead internal stake holders to reach solutions to emerging risk and policy challenges such as climate change
- Develop and implement Dutch residential mortgage portfolio management framework in line with the firm's risk appetite. This will entail development and enhancement of lending limits.
- Ensure that the principles of Conduct Risk are embedded into day to day operations to deliver good customer outcomes at all times. Ensure that all business processes and internal controls within the role are designed and performed in a way that delivers good customer outcomes and demonstrates effective management of Conduct Risk.
- Fluent in Dutch Language - spoken & written
- Underwriting policy management
- Experience working with Dutch mortgages within retail banking
- Exposure to conduct & compliance surrounding mortgages
- Data analysis and modelling skills beneficial
- Deep understanding of credit and lending policies in the Netherlands 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 mortgage product development will be an advantage
- Understanding of mortgage credit and lending policies in other jurisdictions, UK and Australia in particular, would be advantageous.