CREDIT RISK MANAGER jobs in Spokane, WA

Description

Senior Vice President - Risk

Department: Risk Management

Exempt - Range: EX19

Reports To: Chief Financial Officer

SUMMARY:

With the goal of enhancing lives, fulfilling dreams and building communities this position provides the overall leadership and direction for the Compliance, BSA / Fraud and Risk Management employees within the credit unions Risk Management department. This position supports senior leadership by evaluating risks to the credit unions strategic objectives. Position supports the outsourced internal audit function. Provide risk transparency to key stakeholders including the Board, Audit Committee, management, and regulators.

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned.

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Contribute to the organizations mission statement and goals by providing the highest quality of service, treating each person professionally, with warmth, courtesy and respect, cross-selling additional services, and making a personal effort to make members feel they belong and are important to Numerica.
• Oversee consistent and effective delivery of organization wide risk management functions throughout credit union.
• Oversee all compliance and BSA activities. Create a compliance framework to safeguard the integrity of Numerica.
• Cultivate the departments independent review and evaluation body to ensure issues/concerns within the organization are appropriately evaluated, investigated, and resolved.
• Advise in resolution of more complex problems in compliance vulnerability and risk; guide correct action plans for resolution of problematic issues and execute strategy on avoiding similar situations in the future.
• Support management and the Boards establishment of risk appetite and risk tolerance set forth in policies and guidelines.
• Partner with and assist management in the development of products and processes that are consistent with approved risk appetite statements.
• Oversee the design and execution of the risk identification, evaluation, control, documentation, and reporting process.
• Ensure risk assessments and scenario analysis are conducted on a regular basis in order to identify and analyze risk exposures.
• Report to management and Board when appropriate of risk metrics and risk exposures.
• Research, monitor and analyze developing trends and changes in regulations, potential loss exposures, and emerging opportunities that impact credit union activities and ensure management awareness and readiness.
• Keep staff apprised of policy, procedure, and program changes; conduct performance appraisals; leads staff meetings as needed.
• Support the outsourced internal audit function and act as the administrative liaison with the Audit Committee.
• Responsible for completing required CPD courses. Develops and ensures that the team completes assigned CPD courses.
• Participate in discussions on credit union strategy and implementation of that strategy as part of the Business Leadership Team.
• Perform other duties as assigned for Numerica.
• Oversee and maintain the departments adherence to all BSA regulations, compliance standards and to internal policies (personally as well as the staff).
• Effectively incorporates concepts of CML and CARES Principles in daily behaviors and interactions: Connect Create a welcoming, energized, and warm environment, Ask Discover and confirm others needs to ensure they feel understood and known, Resolve Take personal and full responsibility for meeting others needs, Elevate Commit to long-term personal and organizational growth and improvement, Strengthen Invest in our Numerica community and beyond.

SUPERVISORY RESPONSIBILITIES:

Overall supervision of employees in the Risk Management area. Is responsible for the overall direction, coordination, and evaluation of this business unit. Ensure coordination of Internal Audit efforts and communication with the Audit Committee Chair.

Carries out supervisory responsibilities in accordance with the organization's policies and applicable laws. Responsibilities include interviewing, hiring, and training employees; planning, assigning, and directing work; appraising performance; rewarding and disciplining employees; addressing complaints and resolving problems.

PERFORMANCE STANDARDS:

Ability to make decisions quickly in all kinds of situations. Ability to plan and implement projects necessary to help the credit union achieve its strategic goals.

Problems encountered require a determined mastery of techniques, practices, and theories gained through wide seasoning and / or specialized study and development.

Problems may deal with a variety of issues overlapping functional or organizational boundaries, requiring analytical interpretation. Problems may involve proactive thinking or require significant creativity, innovation, evaluation and / or constructive thinking. Problems are frequently solved without previous precedent to draw upon.

EDUCATION and/or EXPERIENCE:

Bachelors degree in business related field plus ten or more years of experience in operations, lending and administrative functions in banking or audit of financial institutions required. Prior experience in manager function with staff supervisory experience necessary. Must have strong foundation in all areas of the organization and be well versed in regulatory and risk management issues.

LANGUAGE SKILLS:

Ability to read, analyze and interpret regulatory journals, financial reports and legal documents. Ability to write speeches and articles for publication. Professional written communication skills necessary to write reports and business correspondence. Ability to read, write, communicate, and negotiate effectively with all levels of management, the Board and Audit committee.

INTERPERSONAL SKILLS:

Significant level of trust and diplomacy is required, in addition to normal courtesy and tact. Work involves extensive personal contact with others and is usually of a personal or sensitive nature. Work may involve motivating, influencing or training others. Outside contacts become important and fostering sound relationships with other entities (companies and / or individuals) becomes necessary and often requires the ability to influence and / or sell ideas or services to others.

CERTIFICATES, LICENSES, REGISTRATIONS:

Compliance, Risk Management or Audit certification is preferred. 

OTHER SKILLS and ABILITIES:

Independent judgment with strong analytical skills. A solid knowledge of government regulations and banking procedures. Strong technical skills and ability to utilize a variety of software and data sources to support job functions. Demonstrated management, supervisory, and organizational abilities; strong analytical, research, and problem-solving skills. Must be able to develop innovate solutions and must be attentive to details. Ability to lift up to 25 lbs.

The job description doesn't imply an employment contract, nor is it intended to include every duty, task or instruction for which the employee is responsible. Other tasks may be assigned, based on business need and at Managements request.

Leadership Competency and Roles

Senior Vice President (SVP)

• Advisor/Challenger
  • Provide advice and guidance in creating and implementing the strategic vision using expertise, cross functional analysis, and industry knowledge while understanding Numerica's culture and values.
  • Challenge decisions respectfully.
• Creative Intuitive and Decisive
  • Able to develop creative solutions to issues quickly and intuitively.
  • Able to make decisions while effectively evaluating the risks and taking into consideration all aspects of the organization.
• Content but never satisfied
  • Always look for new areas of growth for the credit union.
• Leader
  • Influence the credit union and industry towards the achievement of a goal.
• Risk Taking
  • Boldly stepping out of the box.
  • Working through constraints to find a way to yes.
  • Entrepreneurial spirit.

All Leaders

• Empowering
• Collaborative/Cooperative
• Value Diversity and Difference
• Role Model/Core Values/CML
• Passion for Core Purpose
• Accountable
• Continuous Learning
• Strong Moral Compass
• Critical Thinking
• Respectful/empathetic

All Leaders

• Empowering
  • Give employees the authority and power so they can take the initiative to make decisions and solve problems, making them stronger and more confident.
• Collaborative/Cooperative
  • ​​​​​​​Partner and perform within and across business units to achieve the common greater goals of the credit union.
  • Bring relevant and big picture items to individual and group discussions.

• Value Diversity and Difference
  • ​​​​​​​Value diversity by recognizing differences between people and acknowledge that these differences are a valued asset.
  • Seek out different points of view.
• Role Model/Core Values/CML​​​​​​​
  • Be the example for others to follow.
  • Define culture by living service standards, core values, and care principles.
  • Utilize CML training to create an enthusiastic, engaging, and warm environment.
• Passion for Core Purpose​​​​​​​
  • Through language, and actions, demonstrate commitment to enhancing lives, fulfilling dreams, and building communities.
• Accountable
  • ​​​​​​​Honor agreements
  • Hold others to their commitments.
• Continuous Learning
  • Continue to develop and improve skills and knowledge in order to perform effectively.
  • Adapt to changes in the work place.
• Strong Moral Compass
  • ​​​​​​​Behave and make choices guided by accepted principles of what is right and wrong.

• Critical Thinking
  • Exercise reflective thinking to organize, clarify, and raise the efficiency of ones own thinking, decisions, and work.
  • Recognize errors and biases in ones own thinking.
• Respectful/empathetic
  • Identify with and understand another's situation or feelings.

Numerica Credit Union Benefits and Perks - 

Learn more about our Benefits and Perks here- https://www.numericacu.com/globalassets/images/pdfs/employee-benefits-summary-numerica.pdf

Numerica Credit Union is an Equal Opportunity/Affirmative Action Employer

Numerica Credit Union provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.

If you are a qualified individual with a disability or a disabled veteran, you have the right to request a reasonable accommodation for purposes of participating in the application/hiring process with Numerica Credit Union. If you are unable or limited in your ability to use or access Numerica Credit Union’s career page at www.numericacu.com as a result of your disability, you can request reasonable accommodations by calling (509) 385-1660.