Risk Management - Lead Credit Officer - Vice President

Job Responsibilities

• Analyze the division loan portfolio and its key metrics monthly and then author and publish 2 critical risk reports that are reviewed monthly with the markets regarding the health of the division and specific market loan portfolio.
• Drive oversight of the division's loan portfolio by managing to regulatory Key Risk Indicators and Key Performance Indicators and specializing in supervision of the non-pass portion of the loan portfolio.
• Align with assigned Division Risk Manager, Senior Risk Approver, and Underwriting Manager on a coordinated risk appetite, portfolio strategy, escalation process, and consistent communication to the markets.
• Review and approve downgrades within granted credit authority, for the non-pass portion of the portfolio, and consult with the market on appropriate strategies concerning stay/exit, and transfer deteriorating relationships to the workout teams when appropriate.
• Identify emerging risks in the loan portfolio through diligent analysis, review of portfolio metrics and trends, scheduled portfolio reviews as assigned, as well as staying current with market conditions and economic cycles.
• Prepare ad hoc materials or reports for the Division Risk Manager as assigned as well as interact with other functional Risk partners such as Legal, Compliance, Controls, Underwriting, and Sales.
• Form strong working relationships with market leaders and their teams as well as all related risk teams.

Required Qualifications, Capabilities, And Skills

• A minimum of 5+ years of demonstrated achievement in risk management, financial or portfolio analysis.
• Strong written and verbal communication skills and ability to interact and form strong working relationships with all levels of the organization is required.
• Advance knowledge of MS Office Suite (Word, Excel, PPT, Sharepoint).
• Strong interpersonal skills - a highly motivated, confident, team player.
• Ability to work independently & manage projects and deadlines.

Preferred Qualifications, Capabilities, And Skills

• A bachelor's degree in Business, Finance, Accounting, Economics, or equivalent work experience preferred.
• Completion of a formal credit underwriting training program, having held credit authority in wholesale lending capacity, or equivalent experience underwriting and/or approving business loans.