CREDIT RISK MANAGER develops and implements policies and procedures that reduce credit risk for a financial institution. Manages the building of financial models that predict credit risk exposure to the organization. Being a CREDIT RISK MANAGER oversees the preparation of performance reports for management. May require a master's degree. Additionally, CREDIT RISK MANAGER typically reports to a head of a unit/department. The CREDIT RISK MANAGER manages subordinate staff in the day-to-day performance of their jobs. True first level manager. Ensures that project/department milestones/goals are met and adhering to approved budgets. Has full authority for personnel actions. Extensive knowledge of department processes. To be a CREDIT RISK MANAGER typically requires 5 years experience in the related area as an individual contributor. 1 to 3 years supervisory experience may be required. (Copyright 2024 Salary.com)
Ameris Bank is a purpose-driven company, dedicated to bringing financial peace of mind to communities, one person at a time. Whether a customer wants to grow their business, buy a home, or feel confident in their retirement plan, they have a partner in Ameris Bank. We serve customers in our locations across the Southeast, Mid-Atlantic and nationwide through our extensive digital offerings and mobile app.
Delivering financial peace of mind starts with a team that values integrity and rewards ingenuity. At Ameris, you’ll find teammates who are inclusive, collaborative problem-solvers who go the extra mile to support one another and to meet every customer’s needs. When teammates are empowered and bring their diverse perspectives to the table, we create the best possible outcomes for our customers. At Ameris, we know that a growth mindset is key for high performance and fosters an environment that prioritizes continuous improvement. Teammates have access to Employee Resource Groups that serve as advocates and allies as well as professional development opportunities to drive ongoing education. Learn more about our purpose and how you can bring it to life as an Ameris Bank teammate.
The Credit Risk Manager is responsible for enhancing policies and procedures, coordinating all FDIC/Internal/Third Party regulatory examination and audit requests related to areas of responsibility, and identifying and overseeing implementation of process improvements. Will collaborate closely with the Risk Management department to design operational risk policies and monitor adherence to those policies within the business. Creates and maintains standards and processes for the execution of risk programs in areas of responsibility while demonstrating the Ameris Vision, Purpose, Expectations and Values.
Essential Functions, Duties, and Responsibilities:
· Strategic risk leader in the first line of defense, enhancing senior management's ability to dimension, anticipate and manage operational and other enterprise risks effectively.
· Guides team in improving and providing regular updates of various practices, reports, policies, and procedures with the Risk Management department.
· Oversees team processes and updates policies to reflect improvements.
· Maintains necessary training to be well informed of regulatory and industry practices and informs/trains rest of area as appropriate.
· Responsible for ensuring all known issues and risk incidents, regardless of source, are tracked and driven to appropriate and timely remediation through the centralized incident tracking database.
· Ensures data collection and reporting on key risk metrics. Reviews and challenges risk metrics and investigates metric breaches.
· Ensures the effective implementation and execution of Operational Risk programs including event data collection, key risk indicators, scenario analysis, and risk and control identification and assessment as well as reporting to the Risk Management department.
· Works with the Risk Management department to develop plans to mitigate operational risk gaps identified through the bank’s Risk and Controls Self-Assessment (RCSA) process.
· Conducts and/or coordinates various quality control reviews and monitoring covering all key business risks, including key regulatory compliance requirements. Ensures any issues identified in the process are appropriately recorded and escalated.
· Responsible for coordinating initiatives through the New Initiatives Committee process.
· Creates and leads any business unit specific Risk Committees required and participates in the enterprise-wide Management Risk Committee.
· Preserves partnerships and alignment with business executives and senior management as well as the Risk Management department.
· Maintains partnerships and alignment with product providers and negotiates key terms within the contracts for given prospects and existing clients.
Required Knowledge, Skills and Competencies:
· Excellent organizational, analytical and interpersonal skills
· Strong problem-solving, negotiation and follow-up skills
· Strong verbal and written communication skills
· Computer literate; fluency in Microsoft Office programs; systems integration
· Conceptual Thinking – Identifies the critical and interdependencies among system elements that impact products and performance.
· Leadership, negotiation and influence across multiple levels of organization
· Ability to organize and lead cross-disciplinary teams
Industry and Work Experience:
· 5-7 years of experience within financial services industries preferred
· 6 - 8 years of operational risk management experience preferred, ideally in financial services
Academic:
· High school diploma or GED required
· Bachelor’s degree in business or related field preferred
Benefits Available to Employees:
Ameris Bank provides a comprehensive employee benefit package to all eligible employees.
Banking Advantages for Employees:
In addition to a wide array of benefits, Ameris Bank employees are also eligible for special bank services.
Disclaimer:
The above job description is meant to describe the general nature and level of work being performed; it is not intended to be construed as an exhaustive list of all responsibilities, duties, and skills required for the position.
All job requirements are subject to possible modification to reasonably accommodate individuals with disabilities. Some requirements may exclude individuals who pose a direct threat or significant risk to the health and safety of themselves or other employees.
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