CCB Risk-Consumer Credit Job Description
CCB Risk-Consumer Credit Duties & Responsibilities
To write an effective CCB risk-consumer credit job description, begin by listing detailed duties, responsibilities and expectations. We have included CCB risk-consumer credit job description templates that you can modify and use.
Sample responsibilities for this position include:
CCB Risk-Consumer Credit Qualifications
Qualifications for a job description may include education, certification, and experience.
Licensing or Certifications for CCB Risk-Consumer Credit
List any licenses or certifications required by the position: PMP
Education for CCB Risk-Consumer Credit
Typically a job would require a certain level of education.
Employers hiring for the CCB risk-consumer credit job most commonly would prefer for their future employee to have a relevant degree such as Bachelor's and Collage Degree in MBA, Business, Finance, Technical, Statistics, Computer Science, Economics, Information Systems, Management, Accounting
Skills for CCB Risk-Consumer Credit
Desired skills for CCB risk-consumer credit include:
Desired experience for CCB risk-consumer credit includes:
CCB Risk-Consumer Credit Examples
CCB Risk-Consumer Credit Job Description
- Monitoring trends of both Originations and Portfolio Performance metrics and Quality Review/Audit findings to allow for development of actions that proactively (or in some cases, reactively) mitigate risk
- Reviewing individual loan transactions to find and illustrate trends that should be escalated for (potential) action
- Researching, developing and implementing Mortgage Banking guidelines
- Utilizing adept risk analysis to review proposed and recent investor guideline changes which leads to researching, developing, and recommending Guideline actions that may act as overlays to insurer guidance
- Frequently presenting to senior management and Risk Committee audiences
- Supporting detailed drafting, editing and communication needs for Originations Risk
- Interfacing with outside vendors and partners as appropriate
- Proactively assess current practices and procedures & recommend best practice preventative processes
- Manage the team responsible for the management of risk in pre-screened acquisition offers, delivering offers that meet business objectives and innovating to ensure optimal strategy performance
- Responsible for ensuring execution of proper procedures and controls
- Ability to influence technology & business managers across organizational boundaries through formal and informal channels instantly develop strong rapport and build relationships with individuals and teams at multiple levels of the organization
- Minimum of 5 years of current and relevant mortgage lending experience, focus in Policy preferred
- Bachelor's degree in a quantitative discipline from an accredited college/university required
- Demonstrated proficiency and use of various analytical tools and techniques
- Proficient to Expert in multiple business disciplines and functions
- Create analytical reports and presentations for management
CCB Risk-Consumer Credit Job Description
- Work closely with risk management stakeholders, business lines, users, team leads, and other partners to develop oversight of LOB bureau activities
- Educate key stakeholders LOB regarding the Credit Bureau review model and reporting
- Work with strategy leads, COE leads, controls and other partners to continually enhance processes to provide comprehensive view of work intake, planning/prioritization, implementation planning and roadmap activities
- Assist various stakeholder constituencies by acting as a thought leader for strategic roadmap planning activities
- Leadership of Risk Execution’s alignment and integration with Agile/Scrum project delivery processes
- Ensure successful execution of each project and work request in the prioritized portfolio, including driving any required escalation, resolution of resource gaps/dependencies while meeting all required change management controls
- Manage assigned projects through the entire project delivery lifecycle using standard project processes and tools
- Plan, create and maintain project management artifacts for assigned projects (including project plans, issue logs, risk and watch items)
- Convey project status and other information in concise fashion, with a strong emphasis on MS PowerPoint communication, to team members, leadership
- Partner with variety of Risk and Risk Execution stakeholders to identify impacts to various processes and business rules strategies
- Credit card, Auto Finance and Risk Management experience is a plus
- Leadership of Risk Execution’s integration into the CCB scrum development process
- Help create a repeatable Risk Execution Agile engagement model with supporting documentation and artifacts that adopt best practices
- Model Agile behaviors and mentor teams to ensure Execution stakeholders understand and follow the scrum principles when integrating with agile technology teams
- Align with CCB Chief Development Office Agile Playbook, CCB agile coaches and Scrum Masters to facilitate efficient scrum processes (release schedule, iteration schedules, ceremonies, ) across multiple teams within Risk Execution
- 3-5 years experience in project management or related roles (PMP certification a plus)
CCB Risk-Consumer Credit Job Description
- Drive xLOB bureau oversight activities by partnering with Risk Management stakeholders, LOB Leads, users and other partners such as Control, Legal, Compliance
- Conduct development of periodic assessments for multiple business groups, which is required to govern Credit Bureau activities and data in adherence with JPMC Control Management Review standards and firmwide Credit Bureau Policy
- Implement effective governance and provide risk advice and assessment through active engagement with the business units being supported
- Oversee areas of the operations of the Home Lending Servicing organization to ensue long term success and performance consistent with the risk appetite of the firm
- Partner with Risk Analytics, to provide effective oversight of servicing activities
- Maintain policies and practices consistent with the risk appetite of the firm
- Researching, developing and implementing Home Lending guidelines
- Utilizing adept risk analysis to research, develop, and recommend Guideline actions that align with Risk tolerances and appetite
- Monitoring trends of Originations, Performance, and Quality Review/Audit findings to allow for development of actions that proactively mitigate risk
- Reviewing investor and insurer guidelines and Home Lending guideline-related terms
- Solid experience in Agile methodology and frameworks- Scrum, Kanban
- Strong User Story mapping, writing and backlog management experience
- Knowledge of consumer risk management practices understanding of the Consumer & Community Bank’s products
- Technical project delivery experience preferred
- Have an analytical mindset to solve complex issues
- Minimum 10+ years of related project/program management and/or strategic planning/delivery experience including 3-5+ years people management experience
CCB Risk-Consumer Credit Job Description
- Coordinating with Originations Risk team members to support changes to guidelines and products [which may be Risk-, Business-, or investor/insurer-driven]
- Must have an orientation towards creating views and uncovering risks that drive action for CCB and JPMCB, , the ability to focus on material measures of success for CCB Risk
- Executive communication skills, both verbal and written/presentation
- Quantitative experience (e.g., partnering with modelling or deep analytic teams to drive practical results and points of view)
- 3+ years experience in mortgage originations and operations, credit risk or supportive home lending services
- Demonstrated independent activity and self-motivated capabilities
- College degree required- BA or higher preferred
- Minimum of 3 to 5 years of related control, risk, audit, testing and process documentation
- Credit risk experience in consumer or small business credit portfolios
- Ability to successfully engage technical/subject-matter-expert teams to work on problems together with a consumer or commercial orientation
- Possess data and analytic skills including the ability to pull data using SAS or SQL, manipulate big data into manageable data sets, and utilize analytic skills to identity and explain data trends
- The ability to conduct risk analyses and provide senior management with business insights of consumer credit quality and behavior trends, and portfolio performance
CCB Risk-Consumer Credit Job Description
- Deep credit experience, in consumer credit portfolios
- Ability to influence technical subject-matter-expert teams to work on problems together with a commercial orientation
- Demonstrated experience in communicating with regulatory and investor relations teams to convey risk management results, outlooks and cross-consumer points of view
- Bachelor degree, Master degree preferred
- A minimum of 5 years of home lending product (credit, finance and operational) experience
- Ability to synthesize quantitative and qualitative analysis into concise, executive-level communications
- Superior communication, presentation and project management skills
- College degree or equivalent, mortgage-related work experience required
- 6+ years of mortgage banking experience with an in-depth knowledge and understanding of the mortgage lending process including loan origination, processing, underwriting, closing, funding, and servicing required
- Secondary Marketing, Quality Assurance, Audit, Repurchase, Risk, or Counterparty Management experience preferred
- 3+ years of corporate financial statement analysis experience
- Strong analytical, decision making, organizational, and multi-task skills required