- Lead the oversight and governance of partner lending programs to ensure alignment with Coastal Bank’s credit risk policies, risk appetite, and regulatory expectations.
- Evaluate new and existing partner relationships, including underwriting strategies, credit policies, decisioning frameworks, and portfolio performance trends.
- Conduct ongoing monitoring and risk reviews of partner portfolios to identify emerging risks, adverse trends, concentration exposures, operational control weaknesses, and portfolio performance deterioration.
- Provide independent review and effective challenge of partner credit strategies, policies, program performance, and risk mitigation practices.
- Prepare and present portfolio risk assessments, trend analysis, and emerging risk themes to senior management and governance committees.
- Develop and maintain credit risk policies, standards, monitoring routines, and reporting frameworks for partner-related credit exposures.
- Oversee risk strategies across consumer and small business lending programs, monitoring key performance indicators like delinquencies and charge-offs.
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