Compliance Risk Management
3 weeks ago
Job Type: Full Time
Credit Check (every 5 years)
~ Social Media Check (every 5 years)
~ As the Credit Risk Review Specialist, you are responsible for ensuring the successful operation of the Credit Risk Review Corporate Standard. The individual is accountable for assessing adherence to credit policies, standards, and procedures, as well as the completeness and accuracy of loan/lease data by performing independent reviews on AEF lending products on a post-review basis within the organization as well as evaluating activities of Lending personnel (compliance with policy, standards, guidelines, and procedure as well as approvals and pricing) by completing file reviews on transactions. Additional scope of duties includes diligence to promptly identify transactions with potential credit weaknesses, identify relevant trends within the lending portfolio and surface characteristics for management that affect compliance with established lending principles. The Specialist works closely with AEF's credit, collection and fulfilment departments to ensure risk is monitored and documented about lending activity. The Specialist is also responsible for monitoring Fraud Risk "Identification, Assessment, Control, Monitoring, and Reporting". Additionally, they work to ensure Fraud Inventory, Risk Appetite and Fraud Risk Governance and Management are maintained and adhered to.
Ensure a complete Fraud inventory is maintained.
~ Must be familiar with legislation that could put AEF/CCS at risk for non-compliance (e.g., FICOM Lending Policy, Credit Union Act, BPCPA, Bank Act, Privacy Act, etc.).
~ Partner with management to identify and assess the organization's credit risk to help management meet operational, financial, and compliance objectives.
~ Ensure Fraud Risk Governance and Management practices and principles are adhered to.
~ Develop and implement a credit risk-based review program using business and risk profiling to meet corporate objectives.
~ Assess the effectiveness and efficiency of credit risk controls, analyze trends, and make recommendations to the Director, Credit - AEF, for changes to AEF lending policies.
~ Ensure all Fraud Risk identification, assessment, control, monitoring, and reporting requirements are adhered to.
~ Support AEF corporate initiatives as assigned.
~ Ensure the effective planning, organizing and execution of credit risk-based reviews designed to add value and help improve AEF operations.
~ Provide monthly and quarterly Credit Risk Review reports to various department managers and AEF Sr. Ensure a strong fraud risk culture is maintained through regular reviews.
~ Ensure AEF adjudication staff reviews credit documents for fraud through the legitimacy and potential alterations of documents.
~ Ensure all fraud key performance indicators are monitored against the established fraud appetite.
~ Ensure the established and documented Fraud Risk Appetite is measured based on the FRMF, including KRIs and KPIs. This includes Fraud Basis Points overall for AEF and by business line, Fraud Basis Points Limits for each channel, Fraud Losses tracking per channel, # Fraud Cases total and per channel.
~ Provide fraud reporting across all Business Lines and Risk Management on detailed fraud operational metrics including but not limited to # fraud applications per channel, $ of fraud exposure per channel, # approved fraud applications, application detection rate, false positive, # collection fraud cases, $ collection fraud cases, $ collection recovery.
Minimum 4 - 6 Years of Job-Related Experience - Must have credit risk management experience within the financial services industry and a good working knowledge of credit risk. Bachelor's Degree in Business Administration, Financial Services, Commerce or related field or equivalent combination of relevant education and experience.
~ Advanced knowledge of MS Excel, Word, and PowerPoint.
~ In-depth knowledge and experience in Credit Underwriting, Collections and Fulfillment.
~ Proficient knowledge of AEF Fraud Guidelines and Routines.
Equity, Diversity & Inclusion at Coast Capital
We are committed to building better, brighter, more inclusive futures for everyone - including our employees. At Coast Capital, we are committed to equity, diversity and inclusion. We strongly encourage applications from Indigenous Peoples, Black, and racialized persons, persons with disabilities, people of diverse sexual and gender identities and women. We value applicants who have demonstrated a commitment to equity, diversity and inclusion and recognize that diverse perspectives, experiences and expertise benefit of our employees, our members, and our community.
It informs the advice we provide our members, the experiences and products we create, and the programs we build to support our employees and communities.
~ Committed to inclusion and engagement. We have an ongoing focus on equity, diversity, and inclusion and routinely track how we're doing, and what we need to do to keep improving. We foster a culture where everyone can feel safe to be who they really are and thrive.
~ Many employees have spent decades, and sometimes their entire careers, with Coast Capital and have progressed from the frontlines to senior leadership.
~ In response to COVID-19 we launched myWork, which gives employees flexibility in where they work based on the nature of their role.
~ Retirement options. That's why we offer the choice of a defined contribution or defined benefit pension plan or RSP's.
~ Mortgage and auto financing benefits . Employees save thousands on their mortgages and auto loans with best-in-category benefits.
~ We recognize excellence throughout the year, through an online community that lets employees give kudos and thanks throughout the year. We're a Platinum member of Canada's Best Managed Companies and are regularly recognized by Canada's Most Admired Corporate Cultures and the BC Top Employers Awards.
~ We reinvest 10% back into the community. When we do well, our communities do well. That's why since 2000 we've invested over $90 million into our member's communities.
~ Through our employee volunteer program, Coast Capital donates $10 for every hour you volunteer to a Canadian charity or non-profit of your choice.
D&I at Coast At Coast Capital, we value diversity, equity and inclusion. We don't just accept differences - we celebrate, support, and we thrive on them for the benefit of our employees, our members, and our community. We are committed to building a team that represents a variety of backgrounds, perspectives, and skills. #
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