As the Credit & Risk Management Program Governance Specialist you will participate in various aspects of Credit & Risk oversight and analysis, Credit & Risk Management, with an emphasis on regulatory compliance and governance.
Communication, both internally (e.g. by setting Credit & Risk policies and internal reporting) and externally (particularly to satisfy regulatory requirements), will be a key aspect of this role.
Develop, design, and implement and support of enterprise-wise Credit & Risk management framework, including but not limited to: Credit & Risk governance and controls, organization structure, policies and procedures, Credit & Risk measures, and metrics (appetite and limits, monitoring and escalation).
Delivery of large-scale Credit & Risk regulatory change and technical initiatives. Communicate regulations and strategic Credit & Risk management objectives/updates to large working groups, including senior management.
Identify current state Credit & Risk management activities and governance structure, assist with formulation of the required/desired state based on regulatory and best practices, conduct gap analysis.
Work alongside internal groups such as Compliance, Lending, IT, on matters related to Credit & Risk controls, self-assessments, incidents and infrastructure projects.
Monitor changes in the regulatory environments, SBA, CDFI, and provide support, guidance, and communicate findings to the wider business.
Accountability and leadership for the Credit & Risk Underwriting, Loan Closing, Collections and Account Resolution departments.
Act as subject matter expert, provide insight and guidance to senior leaders, staff or other department members on Credit, Portfolio & Risk Management relevant issues and content.
Set policy, goals, plans, and projects that ensure high impact lending results while also mitigating Credit Quality & Risk.
Ensure compliance with State and Federal Laws, special funds and programs to decrease Credit & Risk exposure.
Develop and maintain performance reports, analyze trends, identify early signs of portfolio performance issues.
Initiate and lead process improvement projects to increase efficiencies, reduce costs, improve internal and external customer service levels, and enhance our impact results and portfolio quality.
Maintain industry knowledge and awareness to ensure our infrastructure, processes, and systems are efficient and effective.
Expected to Partner across the enterprise and externally to execute new initiatives that expand current capabilities and/or improve Credit & Risk management processes.
Communicate proactively with the Lending Management Team on any material consideration affecting Underwriting, Closing and the servicing of loans.
Responsible for managing and engaging department staff; assessing team performance to ensure goals and objectives are being met, and to provide training and oversight to junior team members.
Works with CFO, COO, CAO, CEO, Board of Directors and other Department Heads to implement company strategic initiatives.
You Will Also:
Directly/Indirectly manage a team of 5-15 professionals.
Have passion for small business lending and the organizational mission of providing Credit & Risk to small businesses that do not have access to loans from commercial sources