Sr. Credit Risk Officer II

Overview

This is a Regular, 1st shift role (United States of America) for an experienced credit risk officer responsible for optimizing profitability of a segment(s) of the wholesale loan portfolio. The position maintains balance among quality, profitability, and compliance within the assigned portfolio.

You will partner with line of business (LOB) segment leadership to provide thought leadership and execute credit strategy aligned with LOB targets and the organization’s stated risk tolerance. The role also supports development and maintenance of a strong credit culture through effective guidance, training, and coaching.

Language Fluency: English (Required)

Responsibilities

• Serve as a senior credit risk officer for large and complex segments within wholesale lending or specialty lines of business
• Promote consistency of credit culture and lending strategies across the organization
• Lead the advancement of risk management culture, framework, and appetite within the assigned segment and LOB
• Act as a thought leader to support development and maintenance of a strong credit culture
• Provide risk leadership through active engagement with LOB, Product Partner, and Credit Delivery teams, including guidance, coaching, and mentoring
• Partner with segment leaders to develop, communicate, and execute credit strategies, limits, and policies supporting LOB targets
• Optimize capital deployment and mitigate risk through disciplined credit judgment and concentration management approaches
• Exercise prudent credit judgment through individual delegated loan authority within risk appetite guidelines
• Stay current on laws, regulations, and risk management techniques to ensure compliance and best practices
• Monitor local, national, and global economic trends and market conditions
• Manage highly complex decisions with significant impact on risk and profitability
• Ensure appropriate Risk Rating for the portfolio; monitor portfolio performance and identify emerging risks
• Develop strategies and action plans for emerging risk and elevate recommendations to Senior Credit Officer
• Present portfolio updates and recommendations to senior executives, Risk Oversight Committees, and regulators as requested

Requirements

• Bachelor’s degree, or equivalent education and related training
• 15 years of experience in lending and/or credit experience
• Widespread financial credit risk and regulatory knowledge
• Solid accounting/financial analysis skills
• Strong communication and interpersonal skills, with demonstrated leadership ability to collaborate across teams and build relationships

Preferred Qualifications

• 20 years of experience in commercial lending and/or credit experience
• Master’s degree in business administration, finance, or accounting
• Broad product knowledge and experience, including Debt and Equity Capital Markets, Asset Finance, and Treasury Management product categories; experience across a broad span of industries or deep experience within a specific industry
• RMA - Credit Risk Certification

Compensation & Benefits

• Annual base salary: $225,000 - $275,000
• Additional incentive pay: available for this position
• Benefits (for eligible regular teammates working 20+ hours/week): medical, dental, vision, life insurance, disability, accidental death and dismemberment, tax-preferred savings accounts, and a 401k plan
• Time off: no less than 10 days of vacation (prorated based on date of hire and by full-time or part-time status) during the first year; 10 sick days (also prorated); paid holidays
• Additional benefits may be available depending on position and division, including defined benefit pension plan, restricted stock units, and/or deferred compensation plan

Location

• United States of America (1st shift)