Responsibilities

• 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.
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