About this role
The Senior Retail Credit Risk Officer is responsible for independently assessing retail credit quality, underwriting practices, and policy compliance across the organization through ongoing post-funding reviews of retail loans, lines of credit, and mortgages. This role serves as a key second-line oversight function within Risk Management, helping to identify emerging risks, evaluate adherence to internal policies and regulatory requirements, and support the consistent application of sound lending practices across all business channels. By completing detailed credit assessments on a representative sample of retail credit advanced each month, the Officer provides objective insight into portfolio quality, exception management, documentation standards, and decision accuracy.