VP Credit Risk Management
|Sep. 05, 2018 - Dec. 05, 2018|
|Benefits:||Competitive Compensation Package|
|Department:||Elevations Credit Union|
|Description:||When joining Elevations, you can expect to work for a company that:|
Provides amazing experiences and creates raving fans.
Strives to provide solutions for a better life and promises employees it will be the best place they have ever worked.
Wins awards such as “Best Bank”, “Best Companies to Work for in Colorado” and even the “Malcolm Baldrige National Quality Award”, the only Presidential award for quality.
Has a highly-engaged workforce and emphasizes career growth, empowerment and servant leadership.
What’s in it for you:
Competitive pay, organization-wide incentive program, 401k matching, mortgage and auto discounts
4 weeks min. paid time off, work anniversary paid time off, 11 paid holidays, and 16hrs paid volunteer time off
Medical, dental, and vision health plans with FSA or HSA options
Onsite fitness center, Zumba and yoga classes, health fairs with biometrics screening and flu shots
Employee Assistance Program with a variety of services
Career development, trainings, career coaching, job shadowing, mentoring program, tuition reimbursement up to $5,000/year, and a recognition system
Culture of excellence and continuous improvement
We strive to be the best place you’ve ever worked!
The VP of Credit Risk Portfolio Management is responsible for managing and providing strategy to the organization’s credit approval, underwriting, (consumer, first mortgage, commercial/business), portfolio risk management and credit policies oversight supported by the use of credit risk analytics.
Essential Functions include:
-Leadership, organization and staffing of the Credit Risk department to ensure effective allocation and deployment of resources to support the achievement of strategic objectives and the business plan.
-Selection, development, and motivation of a highly qualified management team. Grants authorities appropriate for each position.
-Ability to evaluate risk / reward tradeoffs, and proactively assess credit performance under evolving economic conditions.
-Creates appropriate metrics to monitor and analyze credit risk.
-Develops and implements strategies to use in underwriting and loss mitigation.
-Manages the effective functioning and use of the loan underwriting systems.
-Educates loan officers and other member facing positions about the credit union’s credit culture and philosophy.
-Development of reports for risk oversight committee and senior leadership; proven experience in assessing loan performance and credit risk dashboard development.
-Proposes strategies for loan pricing, account management and collection processes.
-Works collaboratively with the Chief Lending Officer, business line leaders and retail leadership on various loan underwriting and risk issues.
-Adheres to all applicable Federal and State laws and regulations governing the Credit Union, including the Bank Secrecy Act (BSA).
|Qualifications:||Required Education and Experience:|
-Bachelor's degree in relevant discipline
-10 + years of progressive relevant industry experience
-10 + years of progressive management experience
-Experience working within a structure and discipline of a large bank or credit union with mature operations
-Excellent communication and technology-related skills, such as analytics performed with Excel and loan processing systems
-Automated decision making, custom scorecards experience, understanding of layered risks
Preferred Skills and Experience:
-Masters degree or MBA preferred
-Commercial or small business underwriting experience
-Efficiencies or continuous improvement experience
-Account Management/Loss Mitigation experience
Other Duties: Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.
About Us: Elevations Credit Union is a member-owned not-for-profit financial institution serving Colorado’s Front Range. Founded in 1953, we’ve grown from 12 members and less than $100 in assets to an institution with 13 branches and more than 120,000 members that manages over $2 billion in assets and is the No. 1 credit union mortgage lender in Colorado. At Elevations, we’ve made a commitment to move away from a product-centered business model and focus instead on creating consumer solutions. Our objective is to provide our members, as well as the entire community, with unbiased consumer information.
EEO Statement: Elevations Credit Union is an equal opportunity employer. We do not discriminate on the basis of race, color, religion, marital status, age, national origin, ancestry, physical or mental disability, medical​​​ condition, pregnancy, genetic information, gender, sexual orientation, gender identity or ​expression, veteran status, or any other status protected under federal, state, or local law. All aspects of employment including the decision to hire, promote, discipline, or discharge, will be based on merit, competence, performance, and business needs.
Candidates for certain positions may be required to submit to a credit history report in determining qualification for employment with Elevations Credit Union. If the position you are applying for requires a credit history report, any information received in such a report will not be the sole factor in making an employment decision. A history of personal financial irresponsibility may be reason for disqualification insofar as it relates to your potential job duties. Elevations Credit Union is aware that occasionally there are extenuating circumstances that may affect an individual's credit history. We comply with the Fair Credit Reporting Act and the Colorado Employment Opportunity Act.
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