Senior Lead Credit Risk Officer – Wholesale Credit Policy

• Supporting line of business credit risk governance
• Complying with the Policy Management Policy
• Ensuring a consistent credit risk profile
• Ensuring credit professionals can easily understand and follow the requirements
• Ensuring proper Line of Business implementation of, and adherence to, the wholesale credit policies
• Lead Round tables, and serve as a subject matter expert, on specific lending topics
• Understand, and clearly communicate, complex wholesale credit concepts
• Build consensus for final approach on the topic
• Write credit policies, with minimal oversight, that align with regulatory expectations, appropriately represent the bank's risk appetite, are clearly understood by all stakeholders, and adhere to the Policy Management Policy.
• Present policy topics to Group Senior Credit Officers (GSCOs) and Business-Aligned Chief Risk Officers to build consensus for WHSL Credit Policies.
• Identify legacy content for appropriate disposition, and coordinate with legacy content owners to implement new framework.
• Ensure proper Line of Business implementation of, and adherence to, wholesale credit policies.
• Ensure proactive management of existing credit policies, procedures, and supporting documents
• Address needed Risk Governance edits within policies
• Adherence to the Policy Management Policy standards
• Identify improvement opportunities within policy, procedure, and surveillance.
• Provide accurate and timely answers to credit policy inquiries, from Credit Professionals and other stakeholders
• Participate in content creation of quarterly WHSL Credit Policy Publications
• Provide perspective and feedback on various surveillance programs, such as the Credit Policy Exception (CPE) Program
• Lead resolution of Issues and related corrective actions.
• Deliver solutions that are long-term, large-scale and require vision, creativity, innovation, advanced analytical and inductive thinking, and coordination of highly complex activities and guidance to others
• Monitor, assess and report on asset quality, portfolio trends and credit policy exception trends
• Approve and provide credible challenge of line of business credit products, programs, and policies
• Provide vision, direction and expertise to senior leadership on implementing innovative and significant business solutions
• Collaborate with peers, colleagues and managers for oversight of risk management
• Interact with Audit, Legal, external agencies, and regulatory bodies on risk related topics

• 7+ years of Credit Risk experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
• Commercial Real Estate credit experience within a large, regulated financial institution.
• Current or prior delegated credit approval authority, including approval of complex credit transactions and provision of effective independent challenge.
• Experience in credit policy development and governance.
• Demonstrated ability to influence senior stakeholders and build consensus through clear, disciplined credit risk communication.
• 3+ years of management or senior leadership experience, including leading teams or enterprise-wide, cross-functional initiatives.

Demonstrates extensive expertise in Credit Risk Governance, Policy Development, and Compliance within a regulated financial institution, with a strong ability to communicate complex concepts and influence senior stakeholders effectively.

• Credit Risk Experience
• Credit Policy Development
• Commercial Real Estate Experience
• Delegated Credit Approval Authority
• Senior Leadership Experience

• Credit Risk Governance
• Policy Management
• Credit Policy Development
• Risk Assessment
• Analytical Thinking
• Credit Transactions Approval
• Surveillance Programs
• Asset Quality Monitoring
• Regulatory Compliance
• Content Creation

• Influencing Stakeholders
• Building Consensus
• Clear Communication
• Leadership
• Collaboration

• Wholesale Credit Policies
• Financial Institution
• Risk Management
• Regulatory Bodies
• Audit Interaction
• Credit Professionals
• Credit Policy Inquiries
• Cross-Functional Initiatives
• Risk Appetite
• Legacy Content Management