Business Risk Program Director – Commercial Credit Advisor

This is a fully remote position, open to applicants in Arizona, +5 more states.

📋 Description

• Act as a primary Business Risk Group advisor integrated within the business.

• Recognize, evaluate, and mitigate risks in Commercial Finance that may impact strategic, operational, financial, or reputational aspects.

• Collaborate with underwriting, portfolio management, credit administration, and second-line stakeholders.

• Function as the main regulatory advisor for Commercial Finance to business units.

• Oversee the bank’s credit risk profile in relation to the Board-approved Risk Appetite.

• Cultivate a robust credit culture throughout the bank.

• Provide a credible challenge to lending decisions, which includes problem loan management, underwriting strategies, risk ratings, nonaccrual statuses, and collateral assessments.

• Create and deliver credit-related training for first-line defense personnel.

• Manage and participate in credit committees and working groups.

• Counsel leadership on decisions related to risk.

• Track regulatory changes to ensure compliance.

• Compile risk reports and communicate findings to stakeholders.

• Utilize data analytics and technology for predictive risk modeling.

• Perform additional duties as assigned.

⛳️ Requirements

• Bachelor's degree in Finance, Business, Economics, or a related discipline, or equivalent education and experience.

• Over 12 years of experience in regulatory compliance, lending, loan review, or risk management roles, ideally within banking or financial services.

• More than 12 years of commercial credit experience, encompassing alternative energy, working capital, asset-based lending, equipment finance, leasing, and government-guaranteed lending.

• Strong comprehension of pertinent regulatory frameworks.

• Extensive knowledge of credit program design, regulatory requirements, and risk management practices.

• Proficiency in interpreting and applying regulations, including regulatory risk rating criteria and best practices in risk management.

• Exceptional analytical and data interpretation abilities.

• Outstanding communication and collaboration skills.

• Proactive and solutions-focused mindset.

• Strong critical thinking and problem-solving capabilities.

• Capacity to handle complex challenges with a risk-aware perspective.

• Ability to work autonomously while managing multiple competing priorities in a dynamic environment.

🏝️ Benefits

• Annual performance-based incentive opportunity.

• Health insurance coverage.

• 401(k) retirement plan benefits.

• Life insurance options.

• Disability benefits.

• Paid time off.

• Comprehensive benefits package.

• Reasonable accommodations under the Americans with Disabilities Act and various state or local regulations.