Risk Management - Auto Commercial Solutions - Credit Risk Manager

The Auto Commercial Solutions team specializes in providing floorplan lines of credits, real estate loans, acquisition loans, working capital loans, and treasury products to our 500+ franchised retail automobile dealer relationships. We are searching for a Credit Risk Manager to lead a team of Credit Officers managing a portfolio of approximately 100 clients representing $3 billion in loan commitments. The Credit Risk Manager role is a management level position and is recognized for superior commercial lending knowledge, leadership skills and analytical abilities. You must possess and apply a broad understanding of the business environment including, but not limited to automotive industry expertise, the ability to evaluate the impact of current events, and a broad based understanding of the impact of macroeconomic changes.

As a Credit Risk Manager in Commercial Solutions, you will lead a team of Credit Officers and are expected to understand risk appetite, guide decision making, manage and influence business priorities, and oversee the ongoing production of the portfolio. With minimal guidance, you will be expected to lead Credit Officers as it relates to their various responsibilities including but not limited to the renewal of existing credit lines, completion of annual reviews, portfolio management activities and maintenance of relationships with key functional collaborators. The incumbent will also have direct accountability for Credit Officer quality and regulatory compliance. As part of the management team, you will be expected to identify opportunities to improve controls and efficiencies as well as lead change through identified projects.

Job Responsibilities:

• Manage a team of Credit Officers, analyzing and decisioning credit requests of varying complexity in adherence with firmwide and DCS credit policies, guidelines, and procedures.

• Ensure Quality of Credit Decisions: Ensure all credit proposals are written to the highest quality standard and that all grading is completed in an accurate and timely manner.

• Provide ongoing oversight of credit management activities with a focus on identification and remediation of troubled credits in a timely manner.

• Providing guidance to team members as it relates to policy, procedures and risk ratings.

• Oversee the Credit Officer’s pipeline, ensuring timely submission and focus to meet the needs of the clients.

• Demonstrated ability to present and support recommendations to senior management.

• Leading an effective team: Be a change leader for your direct reports and assist with the mentoring, coaching, and providing ongoing training and development of staff.

• Portfolio Management: Provide ongoing oversight of credit management activities with a focus on early warning concerns, guidance on policy issues, procedures and risk ratings.

• Operating Efficiently: Oversee the credit team resources, ensuring timely submission and focus on production for customers.

• Provide input into deep dives, prepare and deliver presentations for various senior Risk forums and leadership calls.

Required qualifications, capabilities, and skills:

• Bachelor's degree in finance or accounting or related field

• 15+ years’ commercial banking / lending experience including extensive credit experience.

• Commercial banking / automotive captive experience, with thorough knowledge of accounting and financial statement analysis.

• Superior analytical skills supported by excellent written and verbal communication skills.

• Thorough knowledge of the Bank's policies and procedures, as well as its products and their inherent risks.

• Ability to work independently with minimal supervision.

• Recognized leadership capacities and executive presence.

• Experienced in supervision of professional level employees

Preferred qualifications, capabilities, and skills:

• MBA or advanced degree