Portfolio Manager (Dutch Mortgages)

The Role;

Lead Dutch residential mortgage portfolio management
Underwriting and servicing policies in the context of property and credit risks as well as market and regulatory developments; arrears and collection policies and debt management activities
Manage matters pertaining to underwriting and credit risks independently and represent funder at governance committees.
Maintain and enhance portfolio composition analyses to identify build-up of credit and property risk concentrations within the portfolio (e.g. arrears, flood risks, low value properties)
Monitor portfolio in the context of servicing arrangements between the lender and funder and develop recommendations/management actions to address any potential issues as appropriate
Lead internal stake holders to reach solutions to emerging risk and policy challenges such as climate change
Develop and implement Dutch residential mortgage portfolio management framework in line with the firm's risk appetite. This will entail development and enhancement of lending limits.
Ensure that the principles of Conduct Risk are embedded into day to day operations to deliver good customer outcomes at all times. Ensure that all business processes and internal controls within the role are designed and performed in a way that delivers good customer outcomes and demonstrates effective management of Conduct Risk.

The Candidate;

Fluent in Dutch Language - spoken & written
Underwriting policy management
Experience working with Dutch mortgages within retail banking
Exposure to conduct & compliance surrounding mortgages
Data analysis and modelling skills beneficial
Deep understanding of credit and lending policies in the Netherlands acquired through working at a residential mortgage lender, rating agency or mortgage risk advisory firm
Strong awareness of mortgage regulations and property market developments and opportunities
Experience in monitoring portfolios for lending risks and credit performance
Experience in equity release mortgage originations or mortgage product development will be an advantage
Understanding of mortgage credit and lending policies in other jurisdictions, UK and Australia in particular, would be advantageous.

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