Credit Risk Portfolio Manager

3 weeks ago

Harrisburg, United States PSECU Full time
PSECU, a high-tech progressive financial institution with more than $8 billion in assets, is seeking a Senior Credit Risk Officer who is responsible for developing and implementing policies and procedures that help reduce the credit risk within the organization. This role is responsible for implementing strategic solutions to promote loan and revenue growth while maintaining portfolio quality and mitigating risk. This position is responsible for monitoring and maintaining credit risk processes for PSECU in Consumer Lending.

Benefits: We offer a competitive salary, excellent benefits and a great work environment. Along with excellent medical and retirement programs and a generous leave package, our workplace offers tuition reimbursement.

Employee Type: Full-time, Exempt

Schedule: Monday - Friday, 8:00am - 4:00pm or 9:00am - 5:00pm. This is a hybrid schedule.

Minimum Starting Payrate: (Commensurate with experience)

Candidate must be bondable and credit worthy.

DUTIES AND ACCOUNTABILITIES - Essential for this position:

  • Responsible for monitoring and reporting on the credit union loan portfolio as it relates to but not limited to credit scoring and modeling, portfolio performance, delinquency and charge off rates, risk-based pricing design, and score and decision model effectiveness in Consumer Lending.
  • Reviews and reports trends within the portfolio and analyze effects of process and product changes to gauge profitability and effectiveness. Provide recommendations to both credit and product/process changes based upon the overall analysis of the portfolio. Manage the necessary changes necessitated by these recommendations.
  • Responsible for developing and maturing credit risk management functions to include but not limited to analysis, development, configuration and maintenance of sophisticated loan scoring and decisioning models, underwriting guidelines, lending rules, and establishment and ongoing maintenance of credit risk management standards, policies and procedures.
  • Ensures RGL is making informed decisions to balance lending growth and risk while ensuring methodology is tracked and documented. Prepares recommendations and justifications for changes in RGL credit risk strategies in Consumer Lending.
  • Responsible for ongoing monitoring and maintenance of decisioning models. Continuous expansion of knowledge relating to credit scoring, credit bureaus, score models, and auxiliary scores including artificial intelligence (AI) and machine learning models to effectively monitor & analyze trends and model potential changes to score models and thresholds. Ensure continual reviews and reports are created within the unit to monitor trends.
  • Develop and apply methodologies for predictive analysis regarding underwriting and process changes throughout the department, and present results and recommendations to senior management.
  • Works with the CRM team, Collections, and Finance on forecasting models and ongoing forecasting of delinquency and charge-off.
MINIMUM / PREFERRED EXPERIENCE AND EDUCATION:

Minimum Experience:
  • Bachelor's degree,
  • Experience working in credit risk role,
  • Five years' experience in Lending,
  • Or any equivalent combination of experience and education.
  • Masters' Degree Preferred.


Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)

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