This role offers you exposure to senior executives outside of Internal Audit and across the firm!

As a Credit Review Executive Director within the Internal Audit Department, you will be responsible for covering assigned portfolios within the Consumer & Community Banking line of business.  This includes performing regulatory required and expected reviews, testing and monitoring for an independent assessment of credit risk, and ensuring clear communication of these activities and results with internal partners, regulatory, business and risk stakeholders.  

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.Motivate the team to be innovative in coverage and approach, coaching on how to inspire change and create opportunities to understand and promote data analytics initiatives that support the department objective and serve as an information resource on consumer credit risk, policy and strategies. Partner with stakeholders to establish strong working relationships while maintaining independence.Ensure consistent application of firm-wide credit policies as well as Credit Review Policies and Procedures.Communicate and cascade messages from the leadership team, stakeholders, and regulators.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.Complete special projects and research as assigned by the Head of Consumer Credit Review.

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 advanced 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 adaptable, 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.Ability 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.