VP, Credit Risk Portfolio Management

Raymond James•Saint Petersburg, FL

3d•Onsite

About The Position

The VP, Credit Risk Portfolio Management is a senior member of the Enterprise Credit Risk team responsible for providing independent oversight and assessment of the firm's credit risk profile. Reporting directly to the Chief Credit Risk Officer (CCRO), this role serves as a trusted advisor to senior leadership by identifying emerging risks, evaluating portfolio performance, and providing actionable insights to support sound risk management practices. The VP will oversee portfolio risk across a broad range of lending activities, including Commercial & Industrial (C&I) lending, Commercial Real Estate (CRE), leveraged finance, private banking, residential mortgages, securities-based lending, margin lending, and counterparty exposures. This role combines deep credit expertise with advanced analytics, data visualization, automation, and emerging technologies to enhance risk monitoring, reporting, and decision-making across the enterprise. While St. Petersburg, FL is the preferred location for this role, we will consider candidates based in New York for the right fit.

Requirements

Knowledge of credit risk management principles and practices.
Knowledge of portfolio risk management, concentration risk, and stress testing methodologies.
Knowledge of credit risk governance frameworks and risk appetite principles.
Knowledge of Commercial banking, leveraged lending, private banking, wealth management lending, and residential mortgage products.
Knowledge of economic, industry, and regulatory factors impacting credit risk.
Knowledge of data analytics, visualization, and reporting tools.
Knowledge of artificial intelligence, automation technologies, and emerging analytical techniques applicable to risk management.
Portfolio risk analysis and interpretation of complex credit data.
Developing and presenting executive-level reporting and insights.
Risk identification, assessment, and mitigation.
Data visualization and dashboard development utilizing tools such as Power BI or Tableau.
Quantitative and analytical problem-solving.
Building strong partnerships and influencing stakeholders across all levels of the organization.
Managing multiple priorities in a fast-paced environment.
Written and verbal communication, including presenting complex information to senior leaders and committees.
Ability to provide independent and objective challenge while maintaining strong business partnerships.
Ability to evaluate large, complex credit portfolios and identify emerging risks and trends.
Ability to translate technical and analytical information into actionable business insights.
Ability to influence decision-making through sound judgment and data-driven recommendations.
Ability to adapt to changing business needs, regulatory requirements, and market conditions.
Ability to leverage technology and innovative analytical approaches to improve risk management outcomes.
Ability to exercise discretion and sound judgment when handling sensitive and confidential information.
Ability to work effectively both independently and collaboratively within a matrixed organization.
Bachelor's degree in Finance, Accounting, Economics, Business Administration, Statistics, Mathematics, Risk Management, or a related field required.
Minimum of 10 years of progressively responsible experience in credit risk management, portfolio management, commercial banking, institutional lending, risk analytics, or a related field.
Significant experience managing or analyzing complex credit portfolios, including Commercial & Industrial (C&I), Commercial Real Estate (CRE), leveraged lending, private banking, and residential mortgage portfolios.
Experience presenting risk-related recommendations and findings to executive leadership, committees, or boards.
Demonstrated experience utilizing data analytics and technology solutions to support portfolio risk management and reporting.

Nice To Haves

Master's degree in a related discipline preferred.
Professional certifications such as CFA, FRM, CRCM, or similar risk-related credentials are preferred but not required.

Responsibilities

Develop and maintain an enterprise-wide view of the firm's aggregate credit risk profile across multiple lending portfolios and business lines.
Monitor portfolio performance, concentrations, migration trends, and emerging risks to identify potential vulnerabilities.
Conduct portfolio analytics, stress testing, scenario analysis, and concentration assessments to evaluate portfolio health and risk exposure.
Assess risk-adjusted performance across business units and legal entities.
Provide independent review and challenge of portfolio strategies, underwriting trends, and growth initiatives.
Partner with executive leadership, business leaders, and governance committees to provide meaningful risk insights and recommendations.
Translate complex analytical findings into clear and concise presentations for senior management and risk committees.
Advise stakeholders on emerging credit, economic, industry, and regulatory risks that may impact portfolio performance.
Develop and enhance portfolio reporting, dashboards, and data visualization tools to improve risk transparency and decision-making.
Leverage automation, advanced analytics, artificial intelligence, and data-driven solutions to improve risk monitoring and reporting capabilities.
Collaborate with technology, data, and business partners to strengthen analytical capabilities and modernize risk management processes.
Research industry trends, emerging risks, and leading portfolio management practices to support continuous improvement within the Enterprise Credit Risk function.
Benchmark portfolio performance and risk oversight practices against industry standards and best practices.
Perform other duties and responsibilities as assigned.