This includes, but is not limited to, loan granting, comprehensive collateral management, sophisticated monitoring, proactive early warning systems, intensified and problem loan management, and accurate loan loss provisioning. * Design, implement, and operate robust second-line control frameworks and tools for mortgage processes and the portfolio, including for the oversight of business activities and effective monitoring of third-party service providers. * Develop and maintain a resilient and accurate mortgage credit risk database, crucial for precise portfolio and single case monitoring, portfolio reporting, and loan loss provisioning, with a strong focus on data quality and integrity. * Solid understanding of processes across the entire mortgage value chain (e.g., credit decisioning, monitoring, early warning, intensified and problem loan management).
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