VP, Credit Risk

About the role

Our client is seeking a Vice President, Credit Risk (Commercial) to support risk management activities and provide independent oversight of lending and credit-related exposures across the organization. This role will work closely with senior leadership and business partners to help ensure sound risk practices, consistent underwriting standards, and effective portfolio monitoring.

Responsibilities

• Conduct independent reviews of credit transactions and lending activities
• Evaluate risk factors, financial performance, and overall creditworthiness of borrowers and counterparties
• Provide balanced challenge and recommendations on credit decisions when appropriate
• Identify emerging risks and escalate significant concerns to senior management
• Monitor portfolio performance and key risk indicators to identify trends and potential areas of concern
• Review changes in risk profiles and evaluate the adequacy of risk ratings and classifications
• Support ongoing assessment of portfolio quality and concentration risks
• Contribute to portfolio reporting and management review processes
• Help maintain strong risk management frameworks, policies, and procedures
• Support the development and enhancement of credit risk methodologies and assessment tools
• Ensure risk practices are aligned with internal standards and applicable regulatory expectations
• Participate in governance committees and review forums as needed
• Prepare and present risk analysis, findings, and recommendations to management
• Aid with periodic reviews, portfolio assessments, and reporting activities
• Maintain awareness of market, industry, and economic trends that may impact credit risk exposure
• Support the development of meaningful risk metrics and performance indicators
• Partner with business, finance, operations, and risk stakeholders to support informed decision-making
• Provide guidance on credit risk considerations related to new initiatives and business opportunities
• Contribute to projects focused on strengthening risk management capabilities and processes
• Support internal and external review activities as required

Qualifications

• Bachelor's degree in Finance, Accounting, Economics, Business, or a related field
• Significant experience in credit risk, underwriting, portfolio management, banking, lending, or related financial services roles
• Familiarity with risk governance, credit policy, and portfolio monitoring practices
• Prior experience interacting with senior stakeholders and risk committees preferred
• Strong financial analysis and credit assessment skills
• Knowledge of lending practices, portfolio management, and risk management principles
• Ability to evaluate complex information and make sound recommendations
• Ability to balance risk awareness with business objectives
• Experience working in regulated financial services environments
• Exposure to a variety of lending portfolios, industries, or asset classes
• Familiarity with risk reporting tools, portfolio analytics, or credit monitoring systems
• Experience supporting policy development, governance initiatives, or process improvements