Sr. Credit Risk Manager Retail Lending

Senior Credit Risk Manager, North America

The Senior Credit Risk Manager, North America, is responsible for overseeing credit and portfolio risk across the Bank's retail and specialty finance exposures in the region. This role supports BAWAG Group's warehouse lending and whole loan purchase activities by providing risk oversight, ensuring sound credit practices, and contributing to the expansion of the Group's North American portfolio. This position will be located in Boise and will be integrated with the Idaho First Bank team.

This role will provide risk oversight of all retail and specialty finance originations across North America, working in conjunction with the Group Risk functions.

• Lead risk due diligence of all new platforms and specialty finance lenders
• Review of lending/servicing policies and procedures against market standards, BAWAG Group risk appetite
• Market overview of the asset class with identifying key macro risk drivers
• Financial and business model resilience of the counter party (sponsor/lending platform)
• Provide inputs into risk mitigation measures (e.g., deal covenants, cash sweep/default triggers, credit box set up etc.)
• Day-to-day oversight of portfolio servicing, and act as risk point of contact for all operational matters relating to these exposures
• Lead monthly servicer performance review
• Leverage group reporting/analytics team to monitor portfolio performance and come up with mitigating measures where needed
• Support Group risk with planning of risk metrics, lead discussions with auditors on risk matters relating to the portfolios

• Bachelor's degree in Finance, Accounting or Business Administration
• 5-7 years of experience with a wide range of retail lending products in a control function (Risk/Finance)
• Experience working in a structured finance set up ideal, but not necessary

Equal Opportunity Employer