As the nation's largest community credit union, we begin every day focused on delivering superior financial products and services for our 1.3 million members and more than $30 billion in managed assets. Our work has an economic impact as we support our members' financial goals. We are unapologetic about being devoted to our members and the communities we serve. Our business is guided by our people helping people philosophy – which includes our team members. BECU has been in business for more than 85 years, driven by unwavering core values and a dedication to improving the communities we serve. While we have a rich history, the future of our company, accelerated by business and technology transformation, is even brighter. There's never been a better time to work for BECU. To learn more visit becu.org/careers. **PAY RANGE** The Target Pay Range for this position is $188,700.00-$230,800.00 annually. The full Pay Range is $146,900.00 - $272,700.00 annually. At BECU, compensation decisions are determined using factors such as relevant job-related skills, experience, and education or training. Should an offer for employment be made, we will consider individual qualifications. In addition to your salary, compensation incentives are available for the hired applicant. Incentives are performance based and targets vary by role. **BENEFITS** Employees and their eligible family members have access to a wide array of employee benefits, such as medical, dental, vision and life insurance coverage. Employees have access to disability and AD&D insurance. We also offer health care and dependent care flexible spending accounts, as well as health savings accounts, to eligible employees. Employees are able to enroll in our company’s 401k plan and employer-funded retirement plan. Newly hired employees accrue 6.16 hours of paid time off (PTO) on a per pay period basis based on hours worked (up to a maximum of 160 PTO hours per year) and receive ten paid holidays throughout the calendar year. Additional details regarding BECU Benefits can be found here . **IMPACT YOU’LL MAKE** **:** Join BECU as our Director Credit Risk Officer for our Real Estate portfolios, and see how you can lead transformative initiatives within our Credit Risk Management division. Your strategic oversight will shape credit risk strategies, enhance governance standards, and ensure compliance with regulatory requirements across Mortgage and Home Equity portfolios. **WHAT YOU’LL DO** **:** + **Shape Credit Strategies:** Collaborate with Chief Credit Officer (CCO) and business leaders to develop and execute credit strategies aligned with BECU’s risk appetite and loan portfolio objectives. + **Monitor Portfolio Performance:** Conduct regular, in-depth analysis of portfolio performance, identifying and addressing risk opportunities and threats. Present insights to the Credit Risk Committee (CRC) and Executive Management. + **Lead Risk Initiatives:** Drive initiatives to adjust and enhance risk appetite through the development and support of credit risk initiatives, including portfolio origination, account management, collections, and loss mitigation strategies. + **Enhance Policies and Guidelines:** Utilize statistical analysis and business acumen to develop and refine standards, policies, and guidelines. Collaborate with stakeholders to gain support and present proposals to the CCO and CRC for approval. + **Innovate Credit Campaigns:** Develop and refine credit campaigns and related procedures to optimize risk management practices and align with strategic objectives. + **Stay Informed on Industry Trends:** Monitor macro and microeconomic trends, industry best practices, and regulatory changes. Implement updates to enhance BECU’s risk management protocols and procedures. + **Optimize Decision Engines:** Continuously improve origination and account management decision engines to align with risk strategies, operational efficiencies, and member experience goals. + **Ensure Compliance and Audit Preparedness:** Establish and maintain effective communication with internal and external auditors and examiners (NCUA, DFS). Ensure timely responses and compliance with federal and state regulations. + **Guide Credit Risk Strategies:** Lead the development and implementation of credit risk strategies and guidelines across BECU’s loan and deposit portfolios. Direct risk management activities within regulatory parameters. + **Coach and Develop Talent:** Provide coaching, mentoring, and training to foster employee performance and development. Set clear goals aligned with BECU competencies and conduct regular performance evaluations. + **Ensure Regulatory Compliance:** Ensure compliance with federal and state regulations relevant to credit risk management. Coordinate with other departments and stakeholders to maintain consistent adherence. + **Perform Other Duties:** Undertake additional responsibilities as assigned to support BECU’s overall objectives. This isn’t just about ticking off tasks on a list. It's about making a significant, positive change in BECU’s journey, where your contributions are valued, and your growth is continually fostered. **WHAT YOU’LL GAIN** **:** + Opportunity to lead impactful initiatives that shape BECU’s risk management strategies and contribute to organizational success. + Development within a supportive environment that encourages innovation, professional growth, and career advancement. + Collaboration with a diverse and talented team dedicated to maintaining BECU’s industry leadership in credit risk management. **QUALIFICATIONS** **:** **Minimum Qualifications:** + Bachelor’s degree in business, finance, mathematics, or economics, or equivalent work experience. + Minimum 10 years of relevant credit risk management experience. + Minimum 6 years of experience in financial industries, focusing on Mortgage and Home Equity. + Minimum 5 years of people management experience. + Minimum 5 years of experience with presentation development software (e.g., Tableau, PowerPoint). + Minimum 5 years of experience developing credit risk policies and system decision logic using data and statistical analysis. **Desired Qualifications:** + Graduate degree in relevant field. + Demonstrable knowledge of credit risk scorecards and models. + Experience with regulatory compliance in financial institutions. + Proven track record of leading successful risk management projects. + Strong ability to analyze portfolio performance and communicate insights effectively. + Ability to foster cross-functional collaboration and drive strategic initiatives. **JOIN THE JOURNEY** **:** Ready to make an indelible impact? Eager to be a part of a collaborative and innovative team where your ideas and contributions don’t just fill a role, but fuel the growth and success of BECU? This is more than a job – it’s a chance to elevate your career, skills, and future, all while contributing to the robust technological landscape of BECU. Embrace the opportunity to grow with us. Apply now, bring your expertise to the table, and let’s achieve excellence together at BECU. Your journey of influence, innovation, and impactful contribution starts now. #BECU #YourGrowth #BECUJourney **EEO Statement:** BECU is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, veteran status, disability, sexual orientation, gender identity, or any other protected status. **Job Alerts:** If you would like to be kept informed of new potential opportunities, click here (https://becu.wd1.myworkdayjobs.com/en-US/External/jobAlerts) . You will be asked to create an account if you do not already have one. From our very beginning, BECU has been about people helping people. As a financial services cooperative, our purpose has and always will be the same: we work together to best serve our members and improve the financial well-being of our community. More than 80 years and one million members later, we're still rooted in our values, practices and mission - and even more passionate about our future. As one of the nation's leading credit unions, we're not driven by profit. We're owned by our members and their interests are at the core of everything we do. Now we're growing faster than ever before--but we'll never forget our roots. To continue doing right by our members, we believe we must first do right by our people. Here, you'll receive the resources and support you need to learn, grow and build a meaningful career. Because we know it's our people who make us special.