Risk Management : A qualitative study of how the major banks private adviser manages risks and uncertainties in a mortgage loan

Syfte: Syftet med uppsatsen är att undersöka vilka risker de fyra storbankerna tar vid kreditgivningen av bostadslån och hur privatrådgivare hanterar risker och osäkerheter som kan uppstå vid ett bostadslån. Teoretisk referensram: Studiens teoretiska referensram består av teorier och vetenskapliga antaganden, där de flesta behandlar begreppet risk. Det presenteras även vetenskapliga artiklar som tar upp vad tidigare forskning bidragit med i detta område. Metod: Denna studie utgår från ett hermeneutiskt förhållningssätt och präglas av en deduktiv forskningsansats. Undersökningen tillämpar den kvalitativa forskningsmetoden och datainsamlingen sker genom semistrukturerade personliga intervjuer. Studiens urval är privatrådgivare från storbankerna Nordea i Tumba, Swedbank i Tumba, Handelsbanken i S:t Eriksplan och SEB i Sergelstorg. Empiri: I empirin presenteras den insamlade datan från de fyra genomförda personliga intervjuerna. Respondenterna som deltagit i intervjuerna och bidragit med värdefull information är anonyma.Purpose: The purpose of this paper is to examine what risks the four major banks takes when they give credit of a mortgage loan and how the private adviser manages risks and uncertainties that can arise in a mortgage loan. Theoretical Framework: The theoretical framework consists of theories and scientific assumptions, most of which deal with the concept of risk. It also presents scientific articles dealing with what previous research has contributed in this field. Methodology: This study is based on a hermeneutic approach and is characterized by a deductive research approach. The study applies qualitative research methodology and the data collection is done through semi-structured individual interviews. The study's sample is private advisors from the four major banks that is Nordea in Tumba, Swedbank in Tumba, Handelsbanken in S:t Eriksplan and SEB in Sergelstorg. Result: The empirical analysis presents the data that is collected from the four completed personal interviews. Respondents who participated in the interviews and contributed with valuable information are anonymous. Conclusion: The study shows that the biggest risk that may arise for the bank with a mortgage loan is the customer's repayment capacity if it becomes impaired due to various factors. Private advisors manages risks by creating an understanding of the customer about what a mortgage loan means and provide advice and recommendations to prevent an impaired ability to repay