This team assists the firm in maintaining a focus on safety and soundness by bringing a systematic and disciplined approach to evaluating credit portfolio quality and by promoting strong credit risk management practices, consistent with approved policies and regulatory guidelines!   

As a Credit Review Executive Director within our Internal Audit Department, you will lead activities that evaluate consumer, auto, credit card, home lending and business banking loan transactions and perform assessments of underwriting and portfolio management. You will independently opine on the adequacy of underwriting analysis, appropriateness of credit mitigation actions, the effectiveness of the credit management process and controls supporting credit quality and overall assessment of direction of risk.  Between periodic reviews, the Credit Review Executive Director will lead efforts that independently monitor credit risk and emerging trends, attend relevant meetings and develop and maintain relationships with internal stakeholders responsible for the credit process.   

Job Responsibilities

Provide team direction and assistance with Credit Review activities.Coordinate team assignments, drive project scope and sample selection, evaluate internal controls and systems that mitigate credit risk, communicate with business and risk management, review results and issue identification/dimensioning, and recommend corrective action as needed.Perform continuous monitoring of assigned portfolios and participate in portfolio review meetings.Challenge the team to be innovative in coverage and approach, coaching on how to implement change.Foster opportunities to understand and promote data analytics initiatives that support the department objectives.Serve as an information resource on consumer credit risk, policy and strategies. Partner with stakeholders to establish successful working relationships while maintaining independence.Ensure consistent application of firm-wide credit policies as well as Credit Review Policies and Procedures.Engage in Industry and business forums to maintain current knowledge of the business and recommend changes when needed.Influence credit review methodology and operating processes across the department, working with Practices to ensure the methodology keeps pace with environmental change.

Required qualifications, capabilities and skills

Experienced credit professional with minimum 10-years of retail credit experience.Minimum Bachelor's degree in Accounting, Finance, Economics, or a related discipline.Demonstrated understanding of consumer credit principles and strong analytical skills.Excellent verbal and written communication and interpersonal skills required with ability to present complex and sensitive issues to management.Enthusiastic, self-motivated, effective in a dynamic fast-paced environment and willing to demonstrate personal responsibility and accountability.Proven ability and desire to learn quickly, be flexible, and think strategically.Ability to manage multiple tasks concurrently, with a high sense of urgency.Works well individually and in teams, shares information, supports colleagues, and encourages participation.Flexibility to travel as required. 

Preferred qualifications, capabilities and skills

Background in credit underwriting, risk analytics and credit risk management.Successful completion of formal credit training program preferred, but not necessary.Previous credit review experience is preferred, but not necessary.