Credit Risk Manager; Memphis, TN

Credit Risk Manager

We are currently seeking a Credit Risk Manager for a consultant opportunity with a financial services client.

• Manage the full lifecycle of commercial rating models, from design and development through system implementation and governance
• Oversee risk grading guidance in alignment with policy, system limitations, and scorecard design
• Satisfy new and existing governance requirements for risk ratings, including reporting on operational and statistical performance
• Contribute to credit policy discussions related to risk ratings and grading
• Oversee controls tied to risk grading and coordinate with relevant groups on issues and resolution
• Engage with various constituents across the bank’s lines of defense, as well as auditors and regulators, regarding risk rating policy and practice
• Maintain the inventory of scorecard models, including scorecards in use, under development, and in the pipeline
• Track and manage scorecard usage, including periodic updates to existing scorecards and adjustments for new products or structures
• Monitor scorecard performance for accuracy and operational effectiveness, including tracking and reporting on usage, override rates, system integrity, past‑due scorecards, and related items
• Serve as the primary contact for oversight groups, including regulators, Credit, Credit Assurance, Model Risk Management, and auditors
• Provide effective challenge to first‑line requests for changes to scorecard models, guidance, or policy
• Lead initiatives to develop new scorecard models or revise existing models
• Collaborate with Enterprise Technology to support system implementation
• Address frequent inquiries from constituents— including Credit, Credit Assurance, Internal Audit, LOB, and others—regarding scorecard guidance interpretation, rating specific deals, and other scorecard‑related questions
• Partner with Credit Policy and Credit Risk to revise, update, or modify policies impacting risk grading
• Partner with downstream ratings users, including those in pricing, CECL, CCAR, and portfolio management
• Provide guidance to executive management on strategic initiatives, emerging risks and opportunities, and industry best practices related to Commercial risk ratings

• 10 years of Wholesale/Commercial credit rating experience, including Commercial and Industrial lending, Commercial Real Estate, Small Business, and specialty lines of business
• 15+ years of Commercial/Wholesale credit rating experience, with at least 5 years owning or leading a risk rating practice preferred
• Demonstrated experience working with credit rating models and knowledge of their use, performance metrics, technology requirements, and governance
• Strong analytical and critical thinking abilities with a high degree of attention to detail and accuracy
• Excellent verbal, written, and interpersonal communication abilities
• Proficient in Microsoft Office
• Familiarity with common third‑party rating platforms such as Moody’s Credit Lens, commercial front office systems such as nCino, and core systems such as ACBS

Lewis James Professional is an Equal Opportunity Employer. M/F/D/V