Director of Partner Credit Risk Management – Oversight

🕒 vor 3 Tagen

🇺🇸 Vereinigte Staaten – Remote

💵 $146.230 - $195.217 / Jahr

⏰ Vollzeit

🔴 Experte

🔒 Versicherung

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Dieses Unternehmen hat in der Vergangenheit H1B-Visa gesponsert.

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Coastal

WebsiteLinkedInAlle Stellen

201 - 500 Mitarbeiter

🏦 Bankwesen

💳 Fintech

🤝 B2B

Banking • Fintech • B2B

Coastal ist eine Gemeinschaftsbank (Coastal Community Bank), die die Region North Puget Sound bedient und persönliche sowie geschäftliche Bankprodukte und -dienstleistungen anbietet. Sie betreibt lokale Filialen und Geldautomaten und bietet Giro- sowie Sparkonten, Wohn- und Geschäftskredite, Treasury-Management, Kreditkartenabwicklung und Online-/Mobile-Banking-Funktionen (einschließlich mobiler Einzahlungen, Zelle und einer mobilen App) an. Coastal unterstützt auch eingebettete Finanz- und Fintech-Partnerschaften durch Technologieangebote wie ZSuite und eine CCBX-Division, legt besonderen Wert auf Betrugssicherheit, Compliance und FDIC-versicherte Einlagenservices (einschließlich IntraFi) und vermarktet sowohl Verbraucher- als auch B2B-Finanzlösungen.

Beschreibung

• 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.

🎯 Anforderungen

• 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

🏖️ Vorteile

• 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.