Credit Risk Manager

3 weeks ago

Louisville, United States Republic Bank Full time
Description

"Republic Bank believes in the development and advancement of our associates. We offer the opportunity to learn all aspects of the company to prepare for future advancement. Come join our team for a career, not just a job"

Grade 12

About Republic Bank

Republic Bank's values are built upon making an IMPACT for our clients, our associates and the communities we serve. (IMPACT stands for Innovate for the Future, Make it Easy, Provide Exceptional Service, Acknowledge & Celebrate Success, Commit to Caring and Thrive Together) The associates of Republic Bank are the key to our success as an organization and we value our associates. It's one of the reasons we've been named as one of the Best Places to Work in Kentucky for the last seven years For more information about the company, please visit www.republicbank.com.

POSITION PURPOSE AND OBJECTIVES:
The Credit Risk Manager will oversee, review, and provide approval to the credit policies, strategies, and underwriting guidelines for the Bank's consumer lending programs developed and managed with program managers. Working with the Bank's Legal, Compliance and Operations teams, this position will evaluate credit policies and underwriting guidelines to mitigate risk and ensure programs fully comply with all Bank operational and credit policies and procedures as well as all regulatory requirements (e.g. Bank Secrecy Act, Know You Client, Fair Lending Practices, etc.).

MINIMUM QUALIFICATIONS:
* 5+ years of combined experience in Credit Risk Management, Underwriting Policy Design, Credit Policy or Credit Manager (preferably in the customer credit industry) required.
* Strong analytical and problem-solving skills combined with solid business judgement required.
* Considerable knowledge of Risk/Compliance competencies.
* Strong process facilitation, project management, and analytical skills.

ESSENTIAL JOB FUNCTIONS AND RESPONSIBILITIES:
* Conduct ongoing reviews to monitor portfolio performance; identify areas of weakness (and strength) in performance. Develop insight into reasons for any performance deviation.
* Work with program managers to develop credit policies and identify opportunities to grow or enhance the programs through changes and improvements to the credit model, underwriting process, credit guidelines or customer acquisition strategy.
* Partner with Bank Legal & Compliance teams to ensure credit strategies and policies comply with all applicable regulatory requirements.
* Responsible for the ongoing risk management of any changes or modifications made to credit models, guidelines, and strategies of assigned portfolio.
* Advise senior management of emerging trends, risks or regulatory changes effecting underwriting standards and policies.
* Analyze, monitor, and create reporting on any suggested changes or modifications to existing program managers' credit standards or underwriting guide.
* Review and challenge program managers' proposed changes and modifications to underwriting guidelines and provide feedback on new enhancements or services particularly related to credit risk.
* Work with Relationship Managers to establish credit performance KPIs and credit risk indicators.
* Track policy exceptions that will provide meaningful feedback to understand credit portfolio risk, future potential credit problems, and provide feedback to review and enhance underwriting guidelines.
* Maintain a working knowledge of compliance requirements affecting your position and area of responsibilities and actively learn new regulations and assist in the implementation, if required.
* Model and foster behaviors that support the Bank's values and corporate culture creating an atmosphere of trust, cooperation, accountability, and dedication to the organization.
* Willingly perform all other duties and projects as assigned.

INTERPERSONAL SKILLS AND COMPETENCIES REQUIRED:
* Must have effective communication (written and verbal) skills to adequately convey reports, findings, etc. related to job function.
* Ability to adequately document, organize and describe processing requirements.
* Strong work ethic, with the motivation to provide high quality results on schedule.
* Must be detail oriented and well organized.
* Must have the ability to create and write reports presentable to executive level personnel.
* Must be able to converse with Bank executives, bank partner executive level personnel, law enforcement and internal Bank legal and compliance peers.
* Strong team player and comfortable interacting with partners across multiple teams and at varying levels of seniority.

PHYSICAL REQUIREMENTS:
The physical demands described here are representative of those that must be met by an associate to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this position, the associate is regularly required to sit, use hands to finger, handle, or feel; and talk or hear. The associate frequently is required to stand or walk. The associate is occasionally required to reach with hands and arms. The associate must occasionally lift and/or move 10 pounds. Specific vision abilities required by this position include close vision, and distance vision. The noise level in the work environment is usually moderate.

OTHER REQUIREMENTS:
* Travel between the Louisville (KY) and Norwood (OH) Republic Bank offices will be required on an occasional basis.
* Flexible work schedule that will include some evenings and weekends.
* Stay abreast of new developments, best practices, and statutory and regulatory changes.

**The above is intended to describe the general content of and requirements for the performance of this position. It is not construed as an exhaustive statement of duties, responsibilities, or requirements.

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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