Director, Credit Risk Management

Ent Credit Union•Apple Valley, MN

16d•$150,000 - $180,000

About The Position

The Director of Credit Risk Management is entrusted with oversight of Wings' credit risk review functions within the credit union's second line risk management framework. This position is accountable for comprehensive and effective supervision of all credit portfolios, involving independent, objective, and prompt evaluation of credit risk ratings and credit risk management practices.

Requirements

Bachelor's Degree in accounting, finance or related field.
9+ years' experience in credit administration and risk management analytics at a financial institution or regulatory agency.
3+ years' of team leadership or management experience.
Proven credit risk expertise in consumer and commercial lending at financial institutions, and in depth understanding of consumer and commercial credit products.
Experienced in programming and data manipulation with SQL, Python, and R for analytics and modeling.
In-depth understanding of credit and lending products.
Confident negotiator with excellent oral and written communication abilities.
Proven ability to collaborate at a senior level with internal and external stakeholders.
Knowledge of risk governance frameworks, second-line enterprise risk management, and internal controls.
Exceptional analytical and problem-solving skills; able to identify issues, ask insightful questions, and escalate appropriately.
Able to clearly explain complex quantitative and model concepts to both technical and non-technical audiences.
Excellent organizational skills, capable of managing multiple deadlines.
Bondable.

Nice To Haves

Master's (MBA, Master of Finance) or relevant certification preferred.
10+ years' experience in credit risk or related specialties preferred.

Responsibilities

Perform comprehensive evaluations of the credit union's credit exposures, assess the quality of credit analysis and approval processes, verify the precision of credit ratings, and ensure compliance with established credit risk policies, standards, procedures, and overall risk appetite.
Conduct independent reviews across all lending portfolios to assess credit quality and enforce adherence to relevant risk policies and procedures.
Facilitate early identification of credit-related issues, exceptions, and industry or geographic risk factors to support timely detection of portfolio deterioration.
Contribute to the design and improvement of credit risk review strategies.
Remain up to date regarding federal and state regulations impacting the lending function and the credit union's portfolio.
Manage and coordinate relationships with senior management stakeholders across all departments, presenting review findings clearly and confidently.
Lead or participate in opening and closing meetings, communicating identified matters to leadership and relevant business units under review.
Present well-supported recommendations concerning processes, procedures, and credit risk to senior management, effectively challenging internal risk ratings when necessary.
Provide training and coaching to less experienced colleagues and offer advice to teams across all lines of defense as appropriate.
Mentor and train less experienced colleagues, guiding teams where appropriate.
Guide the daily activities of staff.
Support skills augmentation as appropriate to support Ent initiatives.
Mentoring/coaching of direct reports.
Establish team and individual goals and pursue opportunities for personal development.
Perform quarterly and annual performance assessments.
Remains cognizant of and adheres to Wings policies and procedures, and regulations pertaining to the Bank Secrecy Act.