Director - Credit Risk Officer, Small & Medium Business

September 16

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BECU

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Consumer Banking • Consumer Lending • Business Services • Financial Education and Literacy • Auto Loans

1001 - 5000

Description

• As the Director Credit Risk Officer for Small & Medium Business, you'll play a pivotal role in shaping and executing credit risk strategies across our Small and Medium Business portfolios. • Your leadership will ensure adherence to regulatory standards, optimize risk management practices, and drive sustainable growth for BECU. • Collaborate with Chief Credit Officer (CCO) and business leaders to develop and execute credit strategies aligned with BECU’s risk appetite and loan portfolio objectives. • Conduct regular, in-depth analysis of portfolio performance, identifying and addressing risk opportunities and threats. • Drive initiatives to adjust and enhance risk appetite through the development and support of credit risk initiatives. • Utilize statistical analysis and business acumen to develop and refine standards, policies, and guidelines. • Develop and refine credit campaigns and related procedures to optimize risk management practices and align with strategic objectives. • Monitor macro and microeconomic trends, industry best practices, and regulatory changes. • Ensure timely responses and compliance with federal and state regulations. • Lead the development and implementation of credit risk strategies and guidelines across BECU’s loan and deposit portfolios. • Provide coaching, mentoring, and training to foster employee performance and development.

Requirements

• Minimum Qualifications: • Bachelor’s degree in business, finance, mathematics, economics, or equivalent work experience. • Minimum 10 years of relevant credit risk management experience. • Minimum 6 years of experience in financial industries focusing on Small and Medium Business. • Minimum 5 years of management experience. • Minimum 5 years of experience with presentation development software (e.g., Tableau, PowerPoint). • Minimum 5 years of experience developing credit risk policies and decision logic using data and statistical analysis. • Desired Qualifications: • Graduate degree in relevant field. • Demonstrable knowledge of credit risk scorecards and models. • Experience with regulatory compliance in financial institutions. • Proven track record of leading successful risk management projects. • Strong ability to analyze portfolio performance and communicate insights effectively. • Ability to foster cross-functional collaboration and drive strategic initiatives.

Benefits

• Employees and their eligible family members have access to a wide array of employee benefits, such as medical, dental, vision and life insurance coverage. • Employees have access to disability and AD&D insurance. • We also offer health care and dependent care flexible spending accounts, as well as health savings accounts, to eligible employees. • Employees are able to enroll in our company’s 401k plan and employer-funded retirement plan. • Newly hired employees accrue 6.16 hours of paid time off (PTO) on a per pay period basis based on hours worked (up to a maximum of 160 PTO hours per year) and receive ten paid holidays throughout the calendar year.