Credit Governance Specialist; Banking

Credit Governance Specialist/Advisor

ITTConnect is seeking a Credit Governance Specialist/Advisor for a direct-hire full time position with a client that is a large financial institution.

Job location:

Miami, FL - Position is hybrid.

The Credit Governance Advisor is responsible for ensuring that all credit analyses comply with the Bank's credit policies, procedures, and governance standards. This role serves as a key contributor to the design, implementation, and continuous enhancement of Credit Policy, Standards, and Procedures. The position ensures that credit practices are applied consistently across Credit Department, supports sound and risk‑aligned credit decision‑making, and strengthens the control environment through robust credit governance, regulatory compliance, and process optimization initiatives.

Additionally, the role supports the integration and standardization of credit workflows documentation within the Loan Origination System (LOS).

Responsibilities:

• Support the development, maintenance, and enhancement of the Credit Risk Framework, including Credit Policy, Standards, and Procedures.
• Draft, review, and update credit Policies, Standards, and Procedures to ensure alignment with the Bank's risk appetite, regulatory requirements, and internal governance expectations.
• Lead and support gap analyses and control assessments to evaluate adherence to Policies and Procedures; recommend and implement remediation actions.
• Monitor changes in regulatory expectations (OCC, FDIC, Florida OFR) and industry best practices; proactively update governance documents accordingly.
• Provide technical guidance and training to credit analysts and business stakeholders on policy interpretation, procedural requirements, and risk assessment practices.
• Prepare and maintain credit governance documentation, including Policies, Standards, Manuals, Procedures, and regulatory reporting items.
• Partner with Product, Risk, Compliance, Audit, Business Units, and IT teams to ensure effective governance, transparency, and control oversight across all credit activities.
• Identify and elevate negative findings or material concerns promptly to Senior Credit Officers.
• Contribute to the bank's digital transformation initiatives, helping transition manual processes into automated, data‑driven solutions to enhance analytical depth and operational efficiency.
• Maintain a proactive relationship with Bank affiliates by holding touch‑point meetings to strengthen coordination, ensure governance alignment, and support timely information exchange.

Requirements:

• 8-12 years of experience in banking / credit / financial services
• Strong expertise in credit risk analysis, credit risk management, and underwriting, including financial statement analysis and risk rating methodologies.
• Deep understanding of credit governance frameworks, including Policy, Standards, and Procedures design.
• Solid knowledge of U.S. regulatory requirements applicable to credit risk (OCC, FDIC, Basel guidelines, etc.).
• Ability to translate complex credit and regulatory requirements into clear, actionable policies and procedures.
• Knowledge of applicable lending and banking laws and regulations.
• Ensure all loan requests are handled in an appropriate manner.
• Extensive understanding of business and financial fundamentals with mathematical aptitude and advanced accounting and computer spreadsheet skills.
• Ensure adherence to the Bank's loan approval process and authorities.
• Proven experience in credit policy development, standards implementation, or regulatory compliance frameworks
• Experience working within a U.S.
  
  -regulated financial institution, with familiarity in regulatory examinations and expectations
• Bachelors' Degree in Accounting, Finance, Economics or similar with an advanced degree preferred