Partner Credit Manager II
New
C
Coastal Community BankBanking and Fintech
RemoteFull-TimeMiddle
Salary98,408 - 123,010 USD per year
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Job Details
- Experience
- 7+ years
- Required Skills
- Business IntelligenceData AnalysisMicrosoft Excel
Requirements
- Bachelor’s degree in finance, Accounting, Economics, Business, or a related field.
- 7+ years of experience in credit risk management, credit administration, underwriting, or portfolio risk management within consumer and/or commercial lending environments.
- Demonstrated experience managing partner, fintech, or third-party lending programs within a regulated financial institution.
- Strong understanding of consumer and small business lending products, including unsecured loans, lines of credit, and card programs.
- In-depth knowledge of credit risk management frameworks and second line of defense responsibilities.
- Strong understanding of regulatory expectations (OCC, FDIC, CFPB) and third-party risk management principles.
- Advanced analytical and quantitative skills with the ability to interpret complex data and identify risk trends.
- Proficiency in Excel and experience working with large data sets, reporting tools, and business intelligence/visualization tools.
- Ability to manage multiple priorities in a fast-paced and evolving environment.
- Strong communication skills for presenting risk themes to senior management and cross-functional stakeholders.
Responsibilities
- 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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