毕博上海银行咨询FINALDELIVERABLESRETAILFINAL.ppt

Organization of Credit Risk Management Retail Scorecard Implementation Organization of Credit Risk Management Retail Scorecard Implementation Organization of Consumer Loan Underwriting Unit Retail Scorecard Implementation Organization of Consumer Loan Underwriting Unit Retail Scorecard Implementation Organization of Consumer Loan Underwriting Unit Position roles and responsibilities: Manager, Loan Underwriting Responsible for daily management and performance of CLU and achieving department goals Provides direction and coordination of policies, procedures, operations and budget Establishes and monitors unit underwriting performance goals Reports performance to Consumer Business Unit management Qualifications: Degree is business, finance or accounting Five to ten years consumer lending experience, with at least three years in a significant management role Experience should include: Secured and unsecured loan underwriting, including special situations; knowledge of automated credit scoring systems; strong analytical and communication skills Retail Scorecard Implementation ???? ?? ?? ??? ?? ? ?? ??????? ??????? ????? ?? ? ??, ??? ????? ??? ?? ??, ??? ??, ??, ??, ???? ?? ???? ??? ???? ??? ????? ????????? ?? ???? ??, ?? ?? ?? ?? 3???? ??? ????? ???? 5-10?? ???? ?? ??? ??? ??: ??,???? ??, ???? ?? ???? ???? ?? ??, ??? ?? ? ???? ?? Organization of Consumer Loan Underwriting Unit Position roles and responsibilities: Lead Credit Review Officer Oversees the daily operation of the credit review function Responsible for the training, development and coaching of the Credit Review Officers and committees Ensures staff is trained and updated in scoring system operation and department policies Monitors credit officer performance and takes followup action as required Qualifications: Five+ years consumer underwriting experience involving an increasingly significant responsibility Three+ years experience as a credit review officer supervisor Demonstrated ability