Senior Risk Manger – Retail Lending

3 days ago

Boise, Idaho, United States Idaho First Bank Full time $80,000 - $180,000 per year

The Senior Risk Manager, North America, is responsible for overseeing credit and portfolio risk across the Bank's retail and specialty finance exposures in the region. This role supports BAWAG Group's warehouse lending and whole loan purchase activities by providing risk oversight, ensuring sound credit practices, and contributing to the expansion of the Group's North American portfolio. This position will be located in Boise and will be integrated with the Idaho First Bank team.  

This role will provide risk oversight of all retail and specialty finance originations across North America, working in conjunction with the Group Risk functions.

Essential Functions:

  • Lead risk due diligence of all new platforms and specialty finance lenders,
  • Review of lending/servicing policies and procedures against market standards, BAWAG Group risk appetite
  • Market overview of the asset class with identifying key macro risk drivers
  • Financial and Business model resilience of the counterparty (sponsor/lending platform)
  • Provide inputs into risk mitigation measures (e.g., deal covenants, cash sweep/default triggers, credit box set up etc.)
  • Day to day oversight of portfolio servicing, and act as risk point of contact for all operational matters relating to these exposures.
  • Lead Monthly servicer performance review
  • Leverage group reporting/analytics team to monitor portfolio performance and come up with mitigating measures where needed
  • Support Group risk with planning of risk metrics, lead discussions with auditors on risk matters relating to the portfolios

Requirements

  • Bachelors degree in Finance, Accounting or Business Administration
  • 5-7 years of experience with a wide range of retail lending products in a control function (Risk/Finance)
  • Experience working in a structured finance set up ideal, but not necessary

About IFB

Idaho First Bank Idaho First Bank (IFB) is a full-service state-chartered community bank established in October 2005 and headquartered in McCall, Idaho. Known for its People First and Community First motto, the Bank serves the greater Southwest Idaho and Central Oregon communities. Branch locations include McCall, New Meadows, Eagle, Ketchum, Nampa, Boise, Bend and Hailey. Idaho First Bank is a member of the FDIC and an Equal Housing Lender. For more information, visit us at  

Equal Opportunity Employer

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