Senior Manager Credit Risk Officer, Unsecured

2 weeks ago

Seattle, Washington, United States BECU Full time
About the Role

We are seeking a highly skilled Senior Manager Credit Risk Officer, Unsecured to join our team at BECU. As a key member of our credit risk management team, you will play a critical role in shaping and executing credit risk strategies across various portfolios, including Consumer Real Estate, Consumer Auto & Other Secured Loans, Consumer Unsecured, and Business Banking.

Key Responsibilities
  • Develop and manage credit risk strategies across BECU's portfolios, ensuring compliance with federal and state regulations.
  • Present and participate as a member of the Credit Risk Committee, Board, and Executive Management meetings.
  • Manage and develop a team of Credit Risk Strategy Analysts, overseeing resource allocation, employee development, and departmental administration.
  • Lead changes to risk appetite and support credit risk initiatives in areas such as portfolio origination, account management, and loss mitigation.
  • Identify strengths, weaknesses, opportunities, and threats within BECU's portfolios, staying informed of economic trends and industry best practices.
  • Optimize lending and account management decision engines to align with risk strategies and enhance member experience.
  • Develop and oversee consistent documentation of BECU's policy framework, including policies, guidelines, procedures, and standards.
  • Maintain effective communication with regulatory bodies and ensure compliance with all relevant regulations.
  • Manage vendor contracts to ensure cost-efficient and quality service for BECU members.
  • Coach, mentor, and train staff, conducting regular performance reviews and supporting career development.
  • Ensure timely and accurate service delivery, setting departmental goals aligned with BECU's objectives.
  • Maintain operational audit and management information reporting, including statistical records.
What You'll Gain
  • Impact the direction of BECU's credit risk strategies and policies.
  • Opportunities to lead and mentor a team of talented analysts.
  • Work with various departments and stakeholders to shape BECU's risk management practices.
  • Access to continuous learning and development in credit risk management and leadership.
Qualifications

We are looking for a highly skilled and experienced professional with a strong background in credit risk management and leadership. The ideal candidate will have:

  • Bachelor's degree in business, finance, mathematics, or economics, or equivalent work or educational experience. Graduate degree preferred.
  • Minimum 5 years of relevant credit risk management and credit risk analytics experience, including a focus on areas such as Consumer Credit Card and/or Consumer Unsecured (Personal loan or line of credit).
  • Minimum 5 years of management experience.

Desired qualifications include:

  • Proven ability to collect data, establish facts, draw valid conclusions, and formulate recommendations.
  • Ability to manage multiple projects simultaneously and adapt to changing circumstances.
  • Proficient in PC skills, including Microsoft Office (Excel, Word), with the ability to quickly learn new software.
  • Advanced experience with quantitative software and database querying tools (e.g., SAS, SQL, Python) and presentation development software (e.g., Tableau, PowerBI, PowerPoint).
  • Demonstrable knowledge of industry practices, regulatory restrictions, and lifecycle risk management philosophies.
  • Proven ability to perform portfolio analysis and articulate risk management outcomes.
  • Proven leadership and negotiation skills, with the ability to build and lead cohesive, cross-functional teams.

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