Current jobs related to Credit Risk Manager - Raleigh, North Carolina - Local Government Federal Credit Union

  • Senior Credit Risk Analyst

    3 weeks ago

    Raleigh, North Carolina, United States First Citizens Bank Full time

    Job Title: Senior Credit Risk AnalystWe are seeking a highly skilled Senior Credit Risk Analyst to join our team at First Citizens Bank. As a key member of our Credit Portfolio Analytics team, you will play a critical role in providing risk analytics and expert support to our business units.Key Responsibilities:Design and implement process evaluation methods...

  • Senior Risk Analyst

    1 month ago

    Raleigh, North Carolina, United States First Citizens Bank Full time

    Job SummaryWe are seeking a highly skilled Senior Risk Analyst to join our team in Credit Risk Stress Testing. As a key member of our team, you will be responsible for executing the Bank's Credit Loss stress testing efforts, including the build out and management of the credit loss portions of the bank's annual CCAR Stress Testing exercise.Key...

  • Consumer Lending Credit Officer

    2 weeks ago

    Raleigh, North Carolina, United States Local Government Federal Credit Union Full time

    About the RoleThe Consumer Lending Credit Officer is a key member of our team, responsible for the credit granting process, overseeing the underwriting, decisioning, and portfolio management of the consumer segments. This role requires a strong understanding of credit risk management, financial analysis, and regulatory compliance.Key Responsibilities Ensure...

  • Consumer Lending Credit Officer

    2 weeks ago

    Raleigh, North Carolina, United States Local Government Federal Credit Union Full time

    About the PositionThe Consumer Lending Credit Officer plays a critical role in the credit granting process, overseeing the underwriting, decisioning, and portfolio management of consumer segments. This position partners with the Director of Consumer Credit to design products and set underwriting policy and guidelines for the line of business, ensuring...

  • Consumer Lending Credit Officer

    3 weeks ago

    Raleigh, North Carolina, United States Local Government Federal Credit Union Full time

    About the PositionThe Consumer Lending Credit Officer plays a critical role in the credit granting process, overseeing the underwriting, decisioning, and portfolio management of consumer segments. This position partners with the Director of Consumer Credit to design products and set underwriting policy and guidelines for the line of business, ensuring...

  • Consumer Lending Credit Officer

    2 weeks ago

    Raleigh, North Carolina, United States Local Government Federal Credit Union Full time

    About the PositionThe Consumer Lending Credit Officer plays a critical role in the credit granting process, overseeing the underwriting, decisioning, and portfolio management of consumer segments. This position partners with the Director of Consumer Credit to design products and set underwriting policy and guidelines for the line of business, ensuring...

  • Consumer Lending Credit Officer

    3 weeks ago

    Raleigh, North Carolina, United States Local Government Federal Credit Union Full time

    About the RoleWe are seeking a highly skilled Consumer Lending Credit Officer to join our team at Local Government Federal Credit Union. As a key member of our lending team, you will be responsible for ensuring that our credit granting process is sound and compliant with regulatory requirements.Key ResponsibilitiesDevelop and implement credit policies and...

  • Consumer Lending Credit Officer

    4 weeks ago

    Raleigh, North Carolina, United States Local Government Federal Credit Union Full time

    Job OverviewLocal Government Federal Credit Union is seeking a highly skilled Consumer Lending Credit Officer to join our team. As a key member of our lending department, you will be responsible for ensuring that our credit granting process is sound and compliant with all relevant regulations.Key ResponsibilitiesDevelop and implement credit policies and...

  • VP, Information Security and Risk Governance

    1 week ago

    Raleigh, North Carolina, United States Local Government Federal Credit Union Full time

    About the RoleThe Local Government Federal Credit Union is seeking a highly skilled and experienced professional to fill the position of VP, Information Security and Risk Governance. This role will be responsible for building, implementing, and executing the organization's Information Security Program.Key ResponsibilitiesCollaborate with Legal, Risk,...

  • Information Security and Risk Governance Executive

    1 week ago

    Raleigh, North Carolina, United States Local Government Federal Credit Union Full time

    About the RoleThe VP, Information Security and Risk Governance will be responsible for developing and implementing the Credit Union's Information Security Program. This includes identifying, evaluating, and monitoring the overall security risk profile across the organization, assessing the effectiveness of information security controls and processes, and...

  • Senior Credit Officer

    1 month ago

    Raleigh, North Carolina, United States HomeTrust Bank Full time

    Job SummaryThe Senior Credit Officer plays a pivotal role in driving the bank's loan growth objectives while maintaining a strong risk management culture. This position requires a high level of expertise in commercial credit underwriting, with a focus on making informed decisions that balance business needs with risk tolerance.Key ResponsibilitiesMake...

  • Risk Management Specialist

    3 weeks ago

    Raleigh, North Carolina, United States Truist Full time

    Job SummaryWe are seeking a highly skilled Risk Management Specialist to join our Governance and Controls Office (GCO). The successful candidate will be responsible for executing and supporting various risk programs, including issues management, and will work closely with first, second, and third line risk leadership.Key ResponsibilitiesExecute on change and...

  • Private Credit Associate

    1 month ago

    Raleigh, North Carolina, United States Selby Jennings Full time

    Private Credit Associate Job DescriptionAt Selby Jennings, we are seeking a highly skilled Private Credit Associate to join our team. As a Private Credit Associate, you will play a key role in sourcing, underwriting, and managing private credit investments.Key Responsibilities:Conduct thorough due diligence on potential investment opportunities, including...

  • IT Audit Manager

    3 weeks ago

    Raleigh, North Carolina, United States State Employees' Credit Union Full time

    Job Title: IT Audit ManagerAbout the Role:We are seeking an experienced IT Audit Manager to join our team at State Employees' Credit Union. As a key member of our audit team, you will be responsible for developing, completing, and documenting risk-based IT audit assurance activities.Key Responsibilities:Leadership and Guidance: Provide leadership and...

  • First Line Risk Manager

    4 days ago

    Raleigh, North Carolina, United States First Citizens Bank Full time

    Job SummaryThis is a remote role that may be hired in several markets across the United States. The position is in the First Line Risk Management (FRM) Team supporting the Modeling & Analytics business unit. As an embedded 1LoD risk partner, this individual will be expected to consistently interact with business unit stakeholders responsible for developing,...

  • Part-Time Opportunity for Credit Union Support Specialist

    4 days ago

    Raleigh, North Carolina, United States State Employees' Credit Union Full time

    About the RoleWe are seeking a highly motivated and detail-oriented individual to join our team as a Credit Union Support Specialist. In this part-time role, you will provide exceptional support to our branches and members, ensuring timely and accurate resolution of disputes and claims.Key ResponsibilitiesInvestigate and resolve member disputes and claims...

  • Senior Credit and Collections Specialist

    4 weeks ago

    Raleigh, North Carolina, United States Red Hat Full time

    Commercial Credit and Collections AnalystThe Red Hat Regional Credit and Collections team is seeking a skilled Commercial Credit and Collections Analyst to support our global success in Raleigh, NC. In this role, you will work with an assigned portfolio of trade customers, utilizing your analytical skills to drive effective credit and collections...

  • IT Audit Manager

    4 weeks ago

    Raleigh, North Carolina, United States State Employees' Credit Union Full time

    Job Title: IT Audit ManagerAbout the Role:We are seeking an experienced IT Audit Manager to join our team at State Employees' Credit Union. As an IT Audit Manager, you will be responsible for developing, completing, and documenting risk-based IT audit assurance activities while staying up-to-date with current trends, new developments, technologies, and...

  • Private Credit Investment Associate

    4 weeks ago

    Raleigh, North Carolina, United States Selby Jennings Full time

    Private Credit Associate Job DescriptionAt Selby Jennings, we are seeking a highly skilled Private Credit Associate to join our team. As a key member of our private credit team, you will play a critical role in sourcing, underwriting, and managing private credit investments.Key Responsibilities:Due Diligence and Credit Analysis: Conduct thorough due...

  • Default Manager

    1 month ago

    Raleigh, North Carolina, United States Local Government Federal Credit Union Full time

    About the RoleThe Default Manager plays a critical role in the Credit Union's Default Management team, overseeing the monitoring and management of foreclosure activities, collateral disposition, and collections-based legal activities. This individual will ensure that all default management processes and procedures adhere to state and federal laws and...

Credit Risk Manager

2 months ago

Raleigh, North Carolina, United States Local Government Federal Credit Union Full time
About the Position

The Consumer Lending Credit Officer plays a critical role in the financial services industry, overseeing the credit granting process and ensuring the underwriting, decisioning, and portfolio management of consumer segments align with the organization's lending standards.

This position requires a strong understanding of accounting principles, business financial statements, and tax returns, as well as experience in consumer and mortgage underwriting. The ideal candidate will have a proven track record of analyzing personal tax returns, personal financial statements, and credit bureau reports to make informed credit decisions.

Key Responsibilities
  1. Credit Granting Process: Ensure that each approved application meets the Credit Union's lending standards, approving loans within predetermined lending authority and making recommendations to lending managers on applications outside of their authority.
  2. Underwriting and Decisioning: Underwrite both real estate and non-real estate consumer loan applications, meeting and exceeding individual and team goals while maintaining the highest integrity in the decision-making process.
  3. Due Diligence: Verify account information, credit worthiness, and review income/employment information, determining collateral value to ensure borrower's ability and willingness to repay.
  4. Consultative Underwriting: Provide a consultative underwriting experience with members, ensuring the review of credit identifying/restructuring opportunities and identifying cross-selling opportunities or providing direction on improving the financial outlook of the member in the future.
  5. Loan Status Updates: Keep member/staff informed of loan status throughout the process as necessary.
  6. Portfolio Monitoring: Assist in monitoring the quality and performance of the existing portfolio by product and risk-grading level, continuously reviewing credit underwriting reporting for negative trends.
  7. Quality Control: Provide quality control of declined loans through second-level review.
  8. Policy Development: Partner with the AVP of Credit Administration to set appropriate product and underwriting guidelines, recommending changes in the consumer credit policies to Sr. Management based on portfolio performance reviews and market and economic changes.
  9. Regulatory Compliance: Remain knowledgeable of State and Federal lending regulations, NCUA, and credit union policies and procedures, demonstrating a commitment to fair lending practices and ensuring compliance with all applicable laws and regulations concerning consumer lending.
  10. System Updates and Audits: Assist in testing credit underwriting system updates, auditing preparations, and mentoring junior lending associates.
  11. Professional Development: Take ownership for actions, decisions, and results, openly accepting feedback and demonstrating both the willingness and ability to improve.
Requirements
  1. Minimum 4-6 years experience in consumer and mortgage underwriting.
  2. Understanding of accounting principles, business financial statements, and tax returns.
  3. Demonstrated knowledge in analysis of personal tax returns, personal financial statements, and credit bureau reports.
  4. Experience in a centralized underwriting environment and the use of scorecards/risk-grading/risk-based pricing for credit decisioning.
  5. General understanding of Consumer Loan Origination Systems.
  6. Experience with credit procedures, policies, and regulations. Knowledge of bankruptcy and consumer laws.
  7. Ability to function in a Consumer business office environment and utilize standard office equipment.
  8. Ability to lift a minimum of 25 lbs.
  9. Travel required on occasion.
Preferred Qualifications
  1. Bachelor's degree in Finance, Accounting, Economics, Business, or related field.
  2. Prefer a minimum of 1 – 3 years of Credit Union consumer credit experience.
  3. Knowledge of loan structuring and work-out solutions.