JOB DESCRIPTION: 
Ardshinbank is looking for a Head of Consumer and Mortgage Risk Management Division to join its team.
RESPONSIBILITIES: 
- Ensure compliance with the requirements of the effective activities of the department, its internal legal acts, decisions and orders of the bank;
- Credit risk assessment by credit types;
- Study the conformity of the information in the loan application;
- Study credit history compliance;
- Confirm the purpose of the requested loan;
- Responsible for disclosure of borrower's income sources;
- Calculate the maximum amount and term of the available loan;
- Assess development of recommendations for the simplification of lending process and risk using automation systems;
- Gather information from alternative sources for risk assessment;
- Responsible for presentation of recommendations on the methods and tools of the borrower's creditworthiness analyses and external risk detection and assessment/ revaluation and on their application and assessment;
- Organize the assessment of consumer credit risks in accordance with the requirements of legal acts, decisions and orders of the Bank (Credit Scoring) according to credit types;
- Organize the process of obtaining the necessary external information in the process of risk assessment;
- Organize processes envisaged by the board or involving management in accordance with the requirements of the Bank's internal legal acts, decisions and orders.
REQUIRED QUALIFICATIONS: 
- Master’s degree, preferably in a technical field;
- At least 3 years of experience for the last 7 years in a financial sphere (preferably in credit risk management);
- Knowledge of MS Office, LS-Bank or similar programs;
- Excellent knowledge of Armenian and Russian languages; satisfactory knowledge of English language;
- Knowledge of creditworthiness assessment technologies.
APPLICATION PROCEDURES: 
All interested and qualified candidates are welcome to send their application to: **@***********.** or deliver the hard copy to the Bank’s Head Office at: 13 Lusavorich St, Yerevan, RA. Please fill out the application form as resumes in a free format will not be considered. Please indicate the position title ("Head of Department_Risk Management") in the subject line of the email, otherwise the application will not be considered. The deadline is 30 April 2020. Only short-listed candidates will be invited for the interview.
Please clearly mention in your application letter that you learned of this announcement through Career Center and mention the URL of its website - www.careercenter.am. Thanks.
ATTACHMENTS:
Application Form - Application Form.zip.zip