VP Credit Risk Management

Suncoast Credit Union•Tampa, FL

1d•Hybrid

About The Position

The Vice President of Credit Risk Management is responsible for leading the enterprise credit risk management program, providing independent oversight and effective challenge across all lending portfolios. This role ensures alignment with the Credit Union’s risk appetite, strategic objectives, regulatory requirements, and governance standards. As a risk leader, the Vice President serves as a trusted advisor to executive leadership and the Board Risk Committee, providing forward-looking insights into portfolio performance, concentration risk, credit policy effectiveness, stress testing results, and emerging credit risk exposures. The role oversees credit risk governance, analytics, reporting, and monitoring activities to support safe and sound lending practices while enabling sustainable organizational growth. Through independent assessment and data-driven analysis, the Vice President helps strengthen the organization’s risk culture and ensures proactive identification, measurement, monitoring, and mitigation of credit risk across the enterprise.

Requirements

Bachelor's degree in Finance, Economics, Business Administration, Accounting, Risk Management, or related field
Minimum of 10 years of progressive credit risk, lending, portfolio management, banking, or credit union experience
Demonstrated experience interacting with senior executives, regulators, and boards
Strong knowledge of NCUA, OCC, FDIC, Federal Reserve, CECL, SR 11-7, and risk governance expectations
Excellent organization, prioritization, and analytical skills to effectively manage areas of responsibility and attain organizational goals
Excellent written, verbal, and interpersonal communication skills to interact effectively with members, staff, vendors, government regulators, the Board of Directors, and senior executive leadership
Ability to analyze and resolve complex problems or situations requiring broad-based solutions impacting multiple business units or functions
Ability to negotiate and compromise to influence the strategic direction of the organization
Extensive knowledge and understanding of regulatory compliance
Extensive knowledge and understanding of credit union computer systems and software applications required to perform job duties

Nice To Haves

Advanced degree preferred

Responsibilities

Lead the enterprise-wide credit risk management framework
Establish independent monitoring and oversight of consumer, mortgage, indirect, credit card, HELOC, business lending, and participation portfolios
Ensure effective governance over Current Expected Credit Losses (CECL) credit risk policies, delegated authorities, concentration limits, risk appetite thresholds, policy exceptions and underwriting standards, recommending changes as warranted by economic, regulatory, and portfolio performance trends
Provide executive and Board reporting regarding portfolio risk, emerging trends, concentrations, and loss exposure
Oversee and independently challenge stress testing, scenario analysis, portfolio analytics, and portfolio and credit risk forecasting to assess portfolio performance and balance sheet resilience under varying economic conditions
Partner with Lending, Finance, Compliance, Legal, Internal Audit, Member Solutions and business leaders to promote effective credit risk management practices, support member-centric risk strategies that balance service, growth, and safety and soundness, and provide independence oversight and challenge of credit risk exposures, lending activities, portfolio performance, and key risk decisions while managing second-line authority
Escalate material credit risk concerns to Executive Management and the Board Risk Committee
Support examinations and maintain an examiner-defensible credit risk management program
Lead, develop, and mentor direct reports, fostering a culture of accountability, continuous improvement, and strong risk management practices
Drive continuous enhancement of credit risk governance, analytics, monitoring, and reporting capabilities
Serve as a key advisor to ALCO, ALL, GRC, Pricing Working Group, and other governance committees on credit risk strategy, portfolio performance, reserve adequacy, emerging risk, and risk-adjusted business decisions
Participate in the overall strategic planning for the credit union, including the creation of the annual business plan and budget
Provide direction, mentoring, and development opportunities for directly reporting credit union leaders
Determine and maintain appropriate staffing levels
Cultivate strong working relationships by building trust among team members
Establish and implement strategies with short to long term impact on business results
Establish overall goals for areas of responsibility
Identify areas for improvement, procedural changes, new developments, or changes in services
Attend credit union and community events during and outside of regular business hours
Represent the credit union at key sponsored events, often including speaking and public relations roles
Promote awareness of the credit union mission to memberships and the community
Manage vendor relationships and contracts in accordance with the credit union’s Vendor Management Policy
Oversee regulatory compliance in assigned areas
Maintain knowledge and understanding of current trends, laws, and issues affecting the area of expertise
Attend educational events to increase professional knowledge
Complete annual compliance and info security training to understand employees' role in maintaining effective compliance and security programs