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    Manager of Credit Risk Portfolio and Loan Review - Charlotte, United States - Threadneedle group

    Threadneedle group
    Threadneedle group Charlotte, United States

    1 week ago

    Default job background
    Description


    Ameriprise Financial has an exciting opportunity for a Credit Risk Portfolio and Loan File Review Manager to join our growing team In this Independent Risk Review function, you will provide independent assessment of the Ameriprise Bank, FSB credit risk management functions, including the quality of loan portfolios and assessment of individual loans for compliance with purchasing guidance to ensure credit is approved on a safe and sound basis.


    This is a newly created role supporting the 2nd Line of Defense Bank Risk Office and will manage the independent review of credit including detailed file review, identification of exceptions, providing assessment of loan quality and monitoring and escalating findings and trends to Bank management and the Bank Risk Management Committee.


    Key Responsibilities:


    Conduct ongoing independent loan file reviews to ensure that extensions of credit comply with regulations and the principles, policies, standards, limits, and established procedures.

    Work with the business to review exceptions and make recommendations based on findings.
    Perform regular independent portfolio-level reviews to identify trends and potential risk within the portfolio.
    Prepare results reporting for management, monitoring risk and trends and communicate results with management.
    Coordinate efficient and effective operation of the independent credit review function, including identifying opportunities for change and implementation support.
    Support other Bank Risk initiatives as assigned.
    May provide direct or indirect leadership to lower-level analysts.

    Required Qualifications:
    Bachelor's degree or equivalent in related field (preferably in Accounting or Finance)
    5-7 years proven experience; focused in underwriting or audit of banking extensions of credit (mortgage, HELOC, card)

    In-depth understanding of credit portfolios and key associated processes:
    credit analysis, underwriting, credit policy, credit risk rating appropriateness, portfolio oversight, problem loan management, and credit review.
    Strong understanding of consumer loan products and applicable consumer lending regulations and trends, including consumer protection regulations.
    Strong oral and written communication skills; can adapt communication and presentation style to fit various audiences.

    Ability to build and maintain collaborative partnerships at all levels throughout the organization; facilitating cooperation between process leaders; skilled in managing challenging situations.

    Ability to manage multiple tasks and priorities simultaneously.

    Preferred Qualifications:


    Knowledge of risk management frameworks (e.g., risk management requirements related to credit review, control programs, change management, and third-party risk management) across products/services, systems and associated risks/controls and their impact to credit risk exposures.

    1-3 years leadership experience.
    About Our Company
    We're a diversified financial services leader with more than $1 trillion in assets under management and administration.

    Our team of 20,000 people in more than 20 countries advise, manage and protect the assets and income of more than 2 million individual, small business and institutional clients.

    We are a long-standing leader in financial planning and advice, a global asset manager and an insurer.

    Our unwavering focus on our clients and strong financial foundation connects each of our unique businesses - Ameriprise Financial Services, Columbia Threadneedle Investments and RiverSource Insurance and Annuities.

    Here, we foster meaningful careers, invest in the future, and make a difference for clients, institutions and communities around the world.

    Ameriprise Financial is an equal opportunity employer.

    We consider all qualified applicants without regard to race, color, religion, sex, national origin, genetic information, age, sexual orientation, citizenship, gender identity, disability, veteran status, marital status, family status or any other basis prohibited by law.

    Full-Time/Part-Time
    Full time

    Exempt/Non-Exempt
    Exempt

    Job Family Group
    Business Support & Operations

    Line of Business
    AWMRO AWM Risk Office
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