Commercial Credit Risk Manager

Overview

The Segment Risk Manager is responsible for oversight and administration of credit risk strategy programs for a business segment. The individual will drive and oversee key credit risk activities for the assigned Commercial Business Units, including identifying, monitoring, measuring, mitigating, and reporting on the business unit’s risk and control environment related to credit risk. This position may support other Segment Risk Specialists and Managers as a credit subject matter expert.

• Evaluate effectiveness of controls and escalate as appropriate.
• Identify issues and write clear, actionable action plans related to credit processes.
• Validate findings related to credit processes, including replicating work product of Commercial Portfolio Managers and related staff.
• Direct self-monitoring and testing activities to ensure compliance with Corporate Risk Management requirements.
• Evaluate the adequacy and effectiveness of enterprise and regulatory controls and the resulting risk and control self-assessments.
• Deliver timely escalation of all issues requiring attention to senior management.
• Work with business segment management to ensure the risk function effectively supports strategic goals.
• Collaborate with audit, business segment, and corporate risk to address issues with plausible action plans and target dates.
• Act as the central point for receipt and distribution of important risk information for the business segment and communicate back to corporate risk management.
• Ensure the business segment adheres to corporate and business unit policies and procedures.
• Remain aware of and keep abreast of credit risk associated with the assigned business segment.
• May or may not have managerial responsibility.

• Bachelor’s degree; or in lieu of a bachelor’s degree, 4 additional years of segment-specific or risk-related experience may be considered.
• Minimum of 5 years of experience in Credit Analyst, Portfolio Management audit, Compliance, Risk Management, or Operational Risk roles.
• Advanced knowledge of risk management principles and regulatory compliance requirements.
• Strong organizational, analytical, critical thinking, and problem-solving skills.
• Excellent verbal and written communication skills, with the ability to clearly present requirements and issues.
• Strong interpersonal skills and ability to build partnerships and work collaboratively with all businesses.
• Ability to deal with ambiguity, multi-task, and work in a fast-paced environment.
• Proficiency in MS Office suite.
• Knowledge of Commercial Real Estate and Commercial/Industrial lending products.
• Completed credit analysis training program or similar.
• Working knowledge of methodologies for reviewing, analyzing, and assessing individual loans to determine the quality and sufficiency of loan origination and credit underwriting packages, ensuring alignment with the business segment’s credit risk appetite and front-end guidance.

We are a company committed to creating diverse and inclusive environments where people can bring their full, authentic selves to work every day. We are an equal employment opportunity/affirmative action employer that believes everyone matters. Qualified candidates will receive consideration for employment without regard to race, color, ethnicity, religion, sex (including pregnancy), sexual orientation, gender identity and expression, marital status, national origin, ancestry, genetic factors, age, disability, protected veteran status, military or uniformed service member status, or any other status or characteristic protected by applicable laws, regulations, and ordinances.

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