Director of Partner Credit Risk Management – Oversight

🕒 Junho 9

🇺🇸 Estados Unidos – Remoto (EUA)

💵 $146.230 - $195.217 / ano

⏰ Tempo Integral

🔴 Especialista

🔒 Seguros

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Coastal

SiteLinkedInTodas as Vagas

201 - 500 funcionários

🏦 Bancário

💳 Fintech

🤝 B2B

Banking • Fintech • B2B

O Coastal é um banco comunitário (Coastal Community Bank) que atende a região norte de Puget Sound, oferecendo produtos e serviços bancários pessoais e empresariais. Opera agências locais e caixas eletrônicos, oferecendo contas correntes e de poupança, empréstimos para casa e negócios, gestão de tesouraria, processamento de cartões de crédito e recursos de banco online/mobile (incluindo depósito móvel, Zelle e um aplicativo móvel). O Coastal também apoia finanças integradas e parcerias fintech por meio de ofertas tecnológicas como ZSuite e uma divisão CCBX, enfatiza a segurança contra fraudes, conformidade e serviços de depósito segurados pelo FDIC (incluindo IntraFi), e comercializa soluções financeiras tanto para consumidores quanto para empresas B2B.

Descrição

• Lead, develop, and manage a team of Partner Credit Risk Managers responsible for oversight of partner credit programs • Establish and maintain a comprehensive second line oversight framework for all BaaS partner credit programs • Recommend and enforce credit risk policies, and risk appetite across partner credit programs • Evaluate and approve (or recommend to Leadership) partner credit models, underwriting strategies, and program structures • Monitor portfolio performance across partners, identifying trends, concentrations, emerging risks and action plans • Guide development of early warning indicators and portfolio stress scenarios • Collaborate with fintech partners, program managers, and internal stakeholders to ensure alignment with risk expectations • Ensure compliance with regulatory expectations related to third-party risk (e.g., FDIC, Federal Reserve guidance) • Support due diligence and onboarding of new BaaS partners, including credit assessments • Provide credible challenge to partner assumptions, models, and performance forecasts • Design and implement controls for counterparty credit risk management, including ongoing partner monitoring • Lead the evaluation of financial strength and stability of BaaS partners. Analyze financial statements, cash flow, liquidity, capital adequacy, and funding models • Establish counterparty risk ratings, exposure limits, and ongoing monitoring standards • Identify and escalate risks related to partner sustainability, operational dependency, and market conditions.

🎯 Requisitos

• 12+ years of experience in credit risk, lending, or risk management within a bank or financial institution • 5+ years of experience in a second line of defense or oversight function • Proven leadership experience managing teams and cross-functional collaboration • Demonstrated experience working with fintech partners and BaaS platforms • Strong experience with consumer and small business lending portfolios • Proven expertise in counterparty risk assessment, including financial statement analysis • Deep understanding of credit risk frameworks, underwriting, portfolio management, and risk governance • Strong analytical skills with ability to translate data into actionable insights • Excellent communication skills with ability to influence senior stakeholders • Ability to Travel

🏖️ Benefícios

• Medical Coverage: Choose from three competitive medical plans to find the coverage that best fits your needs and lifestyle. • Health Savings Account (HSA): Available with eligible medical plans, offering tax advantages and employer contributions. • Flexible Spending Accounts (FSA): Options for healthcare and dependent care expenses to help you save on out-of-pocket costs. • Dental and Vision Insurance: Plans to keep you and your family smiling and seeing clearly. • Life Insurance: Company-paid basic life insurance with options to purchase additional coverage for yourself and your dependents. • Long-Term /Short-Term Disability (LTD): Income protection in the event of a long-term illness or injury. • Supplemental Benefits: Including Hospital Indemnity, Accident Insurance, and Critical Illness coverage to provide extra financial support when you need it most. • 401(k) Retirement Plan: A competitive retirement savings plan with company matching to help you plan for the future. • Paid Time Off: Generous vacation and sick leave policies to support your time away from work. • Holidays: Enjoy 11 paid holidays throughout the year.