VP, Credit Review

3 days ago

Chicago, United States Discover Financial Services, Inc. Full time

With us, you’ll do meaningful work from Day 1. Our collaborative culture is built on three core behaviors: We Play to Win, We Get Better Every Day & We Succeed Together. And we mean it — we want you to grow and make a difference at one of the world's leading digital banking and payments companies. We value what makes you unique so that you have an opportunity to shine. Come build your future, while being the reason millions of people find a brighter financial future with Discover. Job Description: What You’ll Do Comprehensive oversight and full functional ownership of Discover Financial Services Credit Review Program, which spans across both consumer credit and non-consumer credit (e.g. treasury, payments and network counterparties). The credit review activities are under the oversight of the overall Corporate Risk Management (CRM) framework and system. The VP, Credit Review leads the independent credit review function, which is responsible for ensuring that the Bank's credit risk management processes are reliable and effective. The Credit Review Program provides independent and risk-based assurance to the Bank's Board. It provides assurance that the Bank's credit quality and credit business practices adhere to established consumer and non-consumer credit management policies, their supporting governance documents and regulatory safety and soundness guidance. This position works closely with first line business leaders including credit management, collections and loss forecasting teams to ensure alignment of strategy, risk appetite and performance of credit and loan loss provision. This position also works with the second line of defense teams in CRM and committees across first and second lines. Lastly, the role has significant exposure to the board of directors, senior leadership and regulatory agencies based on risk management and operational accountabilities. Drives and supports a culture of effective risk management, accountability, and demonstration of risk awareness across the organization. How You’ll Do It Lead the independent credit review function, which is responsible for ensuring that the Bank’s Credit Risk management processes are reliable and effective. The Credit Review Program provides independent and risk-based assurance to the Bank's Board. Oversees the strategic planning, scoping and execution of independent periodic credit reviews and effective challenge across all non-consumer and consumer credit products and lending life cycle. Provide overall assessment of the Reviews including clearly articulating identified supporting findings. Oversee continuous monitoring of asset quality in between scheduled reviews and targeted assurance activities of credit loss estimation processes. Interacts with senior executives, governance committees and regulators (FDIC, FRB) to provide reporting, analytics, and findings from reviews. Provides leadership, mentoring and development to credit review and credit risk oversight team. Qualifications You’ll Need The Basics Bachelors in Economics, Statistics, Analytics, Information Technology, Business Administration and Management or related. 12+ years experience in credit review and/or credit risk management including analytics, modeling and risk process frameworks at a large financial institution or similar industry experience required. Bonus Points If You Have Masters in Economics, Statistics, Analytics, Information Technology or Business Administration and Management. 15+ years consumer and non-consumer credit risk oversight, credit reviews, internal audit of credit risk, and general risk management. Physical and Cognitive Requirements The physical requirements described here are representative of those that must be met by an employee to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable a qualified individual with disabilities to perform the essential functions of the position as required by federal, state, and local laws: Primarily remain in a stationary position. Occasionally move about the work environment to complete the major responsibilities of the job. Ability to transport physical objects up to 10 pounds (5 kg). Primarily performed indoors in an office setting. Ability to operate office equipment such as but not limited to computer, telephone, printer, and calculator. Ability to communicate verbally and in written form. Travel up to 25% of the time. Discover will not sponsor or transfer employment work visas for this position. Applicants must be currently authorized to work in the United States on a full-time basis. Application Deadline: The application window for this position is anticipated to close on Dec-09-2024. We encourage you to apply as soon as possible. The posting may be available past this date, but it is not guaranteed. #J-18808-Ljbffr

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