Dir, Credit Governance, Insights Reporting
Listed on 2026-02-16
-
Finance & Banking
Risk Manager/Analyst, Financial Compliance -
Management
Risk Manager/Analyst
Overview
This role is responsible for First Line of Defense (FLOD) Governance Program, including all phases of the governance process, establishment of a Quality Assurance (QA) program, regulatory reporting such as HMDA, and analysis for items (e.g., fair lending, complaint management program). This role reviews the reporting structure based on the audience and determines the appropriate level of reporting needed. The role stays up to date with financial industry trends and related regulatory standards.
It reviews existing lending portfolios for both Consumer and Commercial portfolios for Credit Losses, Probability of Defaults and insights for Risk Mitigations to inform credit originations of potential opportunities to extend or tighten credit requirements. Based on the governance program and capital requirements, this role enhances the Controls environment by reviewing current Key Risk Indicators (KRIs) and seeking future enhancements to better identify risk within the Consumer/Commercial portfolios.
Lastly, this role collaborates with multiple WPCU departments including Strategy, Risk, IT, Operations, Finance, Internal Audit, Legal and Compliance.
- Enhanced reporting is a critical function for WPCU to more accurately identify credit losses within the portfolio
- Identification of Probably of Defaults within holistic verticals of Consumer and Commercial Credit, the Risk Rating of Members and Member Business Services as well as at the individual product level
- Utilize data to help inform Credit Originations Management Practices and Tiering structures
- Utilize data to help inform Collections of areas for increase focus of attention
- Establishment of all regulatory reporting quality and integrity
- Responsible for the Business Unit’s Regulatory Reporting such as HMDA
- Review and identify areas of potential areas of focus for Fair Lending
- Review and identify areas of opportunity to enhance credit reporting structure at all levels of the Credit Union
- Establishing a Quality Assurance program with specific focus on the underwriting process
- Ensure assigned business units are operating efficiently and reliably, are in compliance with applicable laws, regulations, and rules, have appropriate operating controls to mitigate risk, and are performing at a high level.
- Supports current reporting for KRIs
- Review and identify areas for enhanced or additional KRIs/KPIs
- Testing of the Controls against Board Policy, Management Practices and Procedures for accuracy of the Control as well as potential enhancements of the Control
- Partner with Strategy Office and Enterprise Project Management to ensure Business Unit initiatives are properly aligned and integrated into project prioritization and planning
- Responsible for information to several Committees such as Credit Loss Requirements to the Credit Loss Reserves Team (CLRT)
- Will be an active participant and voting member on several key committees based on the key areas and functions of this role
(If this job is in fact in your jurisdiction, then you may be using a Proxy or VPN to access this site, and to progress further, you should change your connectivity to another mobile device or PC).