The senior credit risk specialist is responsible as the primary underwriter for large loans in the HOPE network. This role will ensure consistent credit standards across the network and will contribute to a cross-functional team responsible for using customer data to reduce loan turnaround time and improve credit risk performance. The senior credit risk specialist will also analyze credit risk performance for the global network and provide timely analysis for effective management of loan portfolios.
Location: Lancaster, PA ; Durham, NC ; Kigali, Rwanda; or Remote,
Level: Senior Professional
Reports to: Senior Director of Microfinance
Promote and fulfill the mission of HOPE International
Underwrite and approve large loan applications for HOPE-managed MFIs
Oversee global loan underwriting standards and assessment tools and champion best practices related to credit risk management
Analyze credit risk performance for the network, providing timely information for effective management of loan portfolios
Propose proactive measures and actions to correct poor performing KPIs to minimize credit loss
Develop, review, and update HOPE’s global and local MFI credit policies
Produce regular and ad-hoc analyses for special projects, reports, and presentations focused on credit risk for management
Analyze HOPE-managed MFI interest rate pricing strategies and risk-based pricing models
Manage, monitor, and report loan concentrations to ensure compliance against internal credit limits and all regulatory limits
Ensure compliance with all lending policies, procedures, and local credit regulations
Collaborate with data teams to review credit-decisioning and credit scoring models to decrease overall credit risk while improving operational efficiency
Work in coordination with and advise local MFI board credit committees
Review and approve all loan write-off and credit loss forecasts
Personal confession of Christian faith and commitment to the mission of HOPE International.
Bachelor’s degree in business, finance, accounting, banking, economics, statistics, or equivalent.
At least 7 years of professional experience in microfinance, international banking, or financial services, with 5 or more years focused on credit analysis and underwriting.
Self-motivated organizational skills, including effective time management and prioritization of multiple deadlines.
Ability to communicate and collaborate effectively with employees across the organization, locally and remotely, across cultures, and with external stakeholders. Cross cultural living experience preferred.
Strong analytical skills and high level of attention to detail.
Advanced Microsoft Office Suite skills, including expert-level Microsoft Excel skills.
Experience working with credit modeling and credit scoring algorithms and software.
Full professional proficiency in English language.
Willingness to travel domestically and internationally up to 75 days per year.
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