Credit Risk Process Specialist – Mortgage Lending

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{
  "id": "2420270",
  "name": "Credit Risk Process Specialist – Mortgage Lending",
  "office": "Poland - Warsaw - HQ",
  "keywords": [],
  "schedule": "full-time",
  "createdAt": "2025-11-07T15:46:59+00:00",
  "seniority": "experienced",
  "department": "Credit Risk",
  "occupation": "real_estate_law",
  "subcompany": "UniCredit - Poland",
  "employmentType": "permanent",
  "jobDescriptions": [
    {
      "name": "What we do?",
      "value": "<p style=\"line-height:1.38;margin-top:0pt;margin-bottom:0pt;\"><span style=\"font-size:15px;font-family:Arial, Helvetica, sans-serif;color:rgb(0,0,0);background-color:transparent;font-weight:700;font-style:normal;text-decoration:none;\">UniCredit in Poland </span><span style=\"font-size:15px;font-family:Arial, Helvetica, sans-serif;color:rgb(0,0,0);background-color:transparent;font-weight:400;font-style:normal;text-decoration:none;\">belongs to one of the largest financial groups in Europe, serving over 15 million Clients, including one million businesses. We are building a new banking model that combines the speed and appeal of a fintech with the strength and stability of a universal bank. We draw on 150 years of experience and the unique expertise of our teams, acting as the Group’s pan-European innovation hub.</span></p><p style=\"line-height:1.38;margin-top:12pt;margin-bottom:12pt;\"><span style=\"font-size:15px;font-family:Arial, Helvetica, sans-serif;color:rgb(0,0,0);background-color:transparent;font-weight:400;font-style:normal;text-decoration:none;\">We are creating ultra-fast and transparent banking with an “all-in-one” application and new opportunities for all Clients - individual, business, and corporate. We provide full omnichannel service thanks to a network of flagship branches in key Polish cities and our Support Center.</span></p><p style=\"line-height:1.38;margin-top:12pt;margin-bottom:12pt;\"><span style=\"font-size:15px;font-family:Arial, Helvetica, sans-serif;color:rgb(0,0,0);background-color:transparent;font-weight:400;font-style:normal;text-decoration:none;\">Our greatest value is our People - a Team of creative experts who thrive in a dynamic and innovative environment. We focus on collaboration, engagement, and achieving ambitious goals.</span></p><p style=\"line-height:1.38;margin-top:12pt;margin-bottom:12pt;\"><span style=\"font-size:15px;font-family:Arial, Helvetica, sans-serif;color:rgb(0,0,0);background-color:transparent;font-weight:400;font-style:normal;text-decoration:none;\">We are looking for a </span><span style=\"font-size:15px;font-family:Arial, Helvetica, sans-serif;color:rgb(0,0,0);background-color:transparent;font-weight:700;font-style:normal;text-decoration:none;\">Credit Risk Process Specialist</span><span style=\"font-size:15px;font-family:Arial, Helvetica, sans-serif;color:rgb(0,0,0);background-color:transparent;font-weight:400;font-style:normal;text-decoration:none;\"> </span><span style=\"font-size:15px;font-family:Arial, Helvetica, sans-serif;color:rgb(0,0,0);background-color:transparent;font-weight:700;font-style:normal;text-decoration:none;\"> </span><span style=\"font-size:15px;font-family:Arial, Helvetica, sans-serif;color:rgb(0,0,0);background-color:transparent;font-weight:400;font-style:normal;text-decoration:none;\">to join us at this pivotal moment, share our vision, and help shape the future of European banking.</span></p>"
    },
    {
      "name": "What you will be doing?",
      "value": "<p><span style=\"font-family:Arial, Helvetica, sans-serif;font-size:15px;\">We are looking for a Credit Risk Process Specialist with strong expertise in mortgage lending products to support the design, implementation, and maintenance of credit risk policies and processes. Your responsibilities will include:<br></span></p><ul><li style=\"font-family:Arial, Helvetica, sans-serif;font-size:15px;\"><p>Policy & Standards: Design, maintain, and support mortgage credit risk policies, underwriting standards, and approval flows.</p></li><li style=\"font-family:Arial, Helvetica, sans-serif;font-size:15px;\"><p>System Development: Define and validate system requirements for risk decisioning, process automation, and analyst tools.</p></li><li style=\"font-family:Arial, Helvetica, sans-serif;font-size:15px;\"><p>Quality Assurance: Lead User Acceptance Testing (UAT) and other validation activities for new credit process implementations.</p></li><li style=\"font-family:Arial, Helvetica, sans-serif;font-size:15px;\"><p>Portfolio Analysis: Analyze portfolio performance, track key risk indicators (LTV, DTI, PD), and propose targeted improvements.</p></li><li style=\"font-family:Arial, Helvetica, sans-serif;font-size:15px;\"><p>Regulatory Compliance: Ensure all processes and policies adhere to Recommendation S and other relevant KNF regulations.</p></li></ul>"
    },
    {
      "name": "Skills you should have",
      "value": "<ul><li style=\"font-family:Arial, Helvetica, sans-serif;font-size:15px;\"><p>3–6 years of experience in credit risk or policy, with a specific focus on mortgage lending.</p></li><li style=\"font-family:Arial, Helvetica, sans-serif;font-size:15px;\"><p>Domain Expertise: Deep understanding of the mortgage lifecycle, property valuation, income verification, and relevant regulatory frameworks.</p></li><li style=\"font-family:Arial, Helvetica, sans-serif;font-size:15px;\"><p>Technical Skills: Proven experience in business/system requirement definition and UAT; strong proficiency in SQL and Excel.</p></li><li style=\"font-family:Arial, Helvetica, sans-serif;font-size:15px;\"><p>Compliance: Familiarity with Recommendation S and Polish mortgage credit risk regulations.</p></li><li style=\"font-family:Arial, Helvetica, sans-serif;font-size:15px;\"><p>Communication: Fluency in English.</p></li></ul>"
    },
    {
      "name": "What we offer",
      "value": "<span style=\"font-family:Arial, Helvetica, sans-serif;font-size:15px;\">You will get an opportunity to work in an <strong>innovative, digital bank </strong>applying state of the art approaches and technologies.<br>You will be provided an <strong>Individual Development Budget</strong>, dedicated to enhancing your professional skills.<br>If your role permits, we also offer <strong>flexible work location</strong>.<br>You and your closest family will be covered with <strong>VIP-level private medical care</strong> which includes <strong>dental treatment</strong> and a<strong> hospitalisation package</strong>. <br>We care for our colleagues’ well being, therefore we cover <strong>psychological consultations</strong> if you ever feel you need such support. <br><strong>Aion bank account</strong> without fee. <br>We co-sponsor your <strong>Multisport</strong> card and cover <strong>50%</strong> of its cost. <br>You will work on computer equipment that delivers the best user experience — <strong>Apple MacBook</strong>. <br>Our office in Warsaw offers <strong>healthy snacks</strong> throughout the day.</span>"
    },
    {
      "name": "Our process",
      "value": "<span style=\"font-size:15px;font-family:Arial, Helvetica, sans-serif;\">We keep our recruiting process simple. <br><strong>Step 1: </strong>Talk with one of our Recruiters about your to date experiences and ambitions<br><strong>Step 2: </strong>Meet with your future Team Manager to deep dive on the role specifics and our work environment</span>"
    },
    {
      "name": "Our note to you",
      "value": "<p><span style=\"font-family:Arial, Helvetica, sans-serif;font-size:15px;\">Diverse teams really are the best teams. Research shows that some candidates may hesitate to apply for a job unless they meet every requirement. If you are excited about working with us, we encourage you to apply - even if you're not 100% sure. We are interested in getting to know you and learning about what you bring to the table.</span></p><p><span style=\"font-family:Arial, Helvetica, sans-serif;font-size:15px;\">Please note that we may close a job posting early if we receive a large number of exceptional applications.</span></p><p><span style=\"font-family:Arial, Helvetica, sans-serif;font-size:15px;\">Good luck!</span></p>"
    }
  ],
  "occupationCategory": "banking_and_real_estate",
  "recruitingCategory": "Permanent Employee_New"
}