Partner Credit Manager II

About the role

Coastal Community Bank is seeking a highly skilled and experienced Partner Credit Risk Manager to support oversight of the Bank’s partner lending programs across consumer and business portfolios.

Responsibilities

• Lead the oversight and governance of partner lending programs to ensure alignment with Coastal Bank’s credit risk policies, risk appetite, and regulatory expectations.
• Evaluate new and existing partner relationships, including underwriting strategies, credit policies, decisioning frameworks, and portfolio performance trends.
• Conduct ongoing monitoring and risk reviews of partner portfolios to identify emerging risks, adverse trends, concentration exposures, operational control weaknesses, and portfolio performance deterioration.
• Provide independent review and effective challenge of partner credit strategies, policies, program performance, and risk mitigation practices.
• Collaborate with business development, product, compliance, and third-party risk teams to ensure partner programs operate within established governance frameworks.
• Recommend corrective actions, policy enhancements, or strategic adjustments based on portfolio performance, monitoring results, and evolving risk conditions.

Second Line of Defense Responsibilities

• Serve as a second line of defense function providing independent oversight, review, and effective challenge of partner credit risk management practices and lending program performance.
• Prepare and present portfolio risk assessments, trend analysis, and emerging risk themes to senior management and governance committees in a clear and actionable manner.
• Develop and maintain credit risk policies, standards, monitoring routines, and reporting frameworks for partner-related credit exposures.
• Oversee credit risk models and decisioning frameworks, ensuring validation, back-testing, and ongoing performance monitoring are conducted in accordance with model risk governance requirements.
• Escalate material risk issues, control gaps, and emerging concerns to senior management through established governance processes.
• Support regulatory examinations and internal audit engagements related to partner lending programs and credit risk management practices.

Consumer and Business Credit Program Management

• Oversee risk strategies and assigned partner portfolios across consumer and small business lending programs.
• Maintain portfolio performance, including delinquencies, charge-offs, fraud losses, concentrations, and vintage trends.
• Independently analyze portfolio and underwriting performance data to identify emerging risks, assess underwriting effectiveness, and develop actionable risk mitigation recommendations.
• Recommend adjustments to credit policy, underwriting criteria, exposure limits, or partner agreements based on portfolio performance and evolving risk conditions.
• Participate in portfolio reviews, stress testing, and concentration risk assessments to support proactive risk management practices.

Qualifications

• Demonstrated experience managing partner, fintech, or third-party lending programs within a regulated financial institution.
• Strong understanding of consumer and small business lending products, including unsecured loans, lines of credit, and card programs.
• Knowledge of credit risk management frameworks, portfolio monitoring practices, and second line of defense responsibilities.
• Strong understanding of regulatory expectations and guidance applicable to partner banking, including OCC, FDIC, CFPB, and third-party risk management principles.
• Experience evaluating underwriting strategies, credit policies, decisioning frameworks, and portfolio performance trends.
• Strong analytical and quantitative skills with the ability to independently interpret complex data, identify material risk trends, and develop actionable recommendations.
• Demonstrated ability to synthesize portfolio data, underwriting performance, and emerging risk themes into concise and effective communications for senior management and cross-functional stakeholders.
• Strong attention to detail and organizational skills with a commitment to timely and accurate execution.
• Proficiency in Excel and experience working with large data sets, reporting tools, portfolio analytics platforms, and business intelligence or visualization tools.
• Collaborative and professional approach when working with internal stakeholders, strategic partners, legal counsel, compliance, and risk management teams.

Education & Experience

• Bachelor’s degree in finance, Accounting, Economics, Business, or a related field required.
• Advanced degree or equivalent combination of education and relevant experience preferred.
• 7+ years of experience in credit risk management, credit administration, underwriting, or portfolio risk management within consumer and/or commercial lending environments.
• Experience working with fintech partnerships, embedded finance, or Banking-as-a-Service (BaaS) programs preferred.
• Experience performing portfolio segmentation analysis, vintage analysis, roll-rate analysis, and performance trending within consumer or small business lending portfolios preferred.
• Experience within a regulated financial institution with exposure to partner oversight, third-party risk management, or fintech governance frameworks.
• Familiarity with credit risk models, portfolio analytics, stress testing, and performance monitoring methodologies.
• Strong proficiency in Excel and experience working with large data sets, reporting tools, portfolio analytics platforms, and business intelligence or visualization tools.

Benefits

• Medical Coverage: Choose from three competitive medical plans to find the coverage that best fits your needs and lifestyle.
• Health Savings Account (HSA): Available with eligible medical plans, offering tax advantages and employer contributions.
• Flexible Spending Accounts (FSA): Options for healthcare and dependent care expenses to help you save on out-of-pocket costs.
• Dental and Vision Insurance: Plans to keep you and your family smiling and seeing clearly.
• Life Insurance: Company-paid basic life insurance with options to purchase additional coverage for yourself and your dependents.
• Long-Term /Short-Term Disability (LTD): Income protection in the event of a long-term illness or injury.
• Supplemental Benefits: Including Hospital Indemnity, Accident Insurance, and Critical Illness coverage to provide extra financial support when you need it most.
• 401(k) Retirement Plan: A competitive retirement savings plan with company matching to help you plan for the future.
• Paid Time Off: Generous vacation and sick leave policies to support your time away from work.
• Holidays: Enjoy 11 paid holidays throughout the year.

Compensation Range

$98,408 - $123,010