Top Credit Executive jobs in Sacramento, CA
Top Credit Executive leads the overall credit function. Responsible for creating and implementing policies regarding the review of customers credit history and the granting and/or extension of credit lines. Being a Top Credit Executive ensures that research of credit worthiness is effective and complies with all applicable laws and regulations. May lead a loan review or other internal committee that has oversight on credit policy. Additionally, Top Credit Executive may require an advanced degree. Typically reports to top management. The Top Credit Executive manages a business unit, division, or corporate function with major organizational impact. Establishes overall direction and strategic initiatives for the given major function or line of business. Has acquired the business acumen and leadership experience to become a top function or division head. (Copyright 2024 Salary.com)
Recently Added Top Credit Executive jobs
Director - Credit Risk
- Golden 1 Credit Union
-
Sacramento, CA
FULL_TIME
-
TITLE: DIRECTOR - CREDIT RISK
STATUS: EXMEPT
REPORTS TO: VP - FINANCE
DEPARTMENT: CREDIT RISK
JOB CODE: 11549
PAY SCALE: $152,300.00 - $185,000.00 ANNUALLY
GENERAL DESCRIPTION:
Responsible for leading and directing all aspects of Credit Risk within the organization. Credit Risk is ultimately responsible for identifying, measuring, reporting, and managing the Credit Risk function within the organization. Credit Risk will perform this function by conducting ongoing in-depth portfolio risk analyses and performance monitoring to protect Golden 1’s assets including identifying mitigating controls and measures to mitigate credit exposure related to loan products (including loan participations purchased) and other member products and services with a credit element (i.e. Courtesy Pay, credit qualification for deposit products, deposit withdrawal limits, minimum opening account amounts). Monitors industry and internal credit risk exposures and operational risk considerations, with the goal of reducing overall risk. Works closely with leadership in Finance, Lending, and Product Analytics & Risk to develop and communicate policies and programs directed at mitigating credit risk.
TASKS, DUTIES, FUNCTIONS:
1. Understand, evaluate and direct Golden 1’s credit culture, underwriting, related lending policies, risk profile, portfolio and product concentration risks, including geographic, industry, risk rating methodology, and other aggregate credit characteristics.
2. Train, develop and direct the Credit Risk Team they are monitoring (1) loan portfolio performance including static pool analysis (2) credit risk trends including quality, product, economic, and underwriting standards and (3) conditions affecting collateral values and identify resultant credit exposures.
3. Foster a positive and engaging work environment for each team member by promoting skill development, coaching for improvement and growth, inspiring others through your words and actions, ensuring positive employee morale throughout Golden 1, and embracing our mission, vision and core values.
4. Responsible for ensuring the Credit Risk Management Committee (CRMC) obtains sufficient information and analysis to allow the committee to discharge its fiduciary responsibilities for credit risk. This will include the development and presentation of comprehensive and relevant reporting to the CRMC.
5. Responsible for ensuring the creation, implementation and reevaluation of best practice credit risk-related procedures and policies throughout the credit union.
6. Perform risk reviews as needed for member products and services.
7. Evaluate and recommend credit policies and procedures as appropriate to CRMC.
8. Contribute to enhancing loan policies as needed to fulfill credit risk functions and goals.
9. Partner with Lending and Product Analytics & Risk to monitor and evaluate ongoing performance of custom score (AI) models used in the loan decisioning process.
10. Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance including bank secrecy and anti-money laundering laws appropriate to the position.
11. Develop and maintain an understanding of the pertinent regulatory requirements and risks inherent to job responsibilities. Establish and maintain control activities that mitigate those risks consistent with the Credit Union’s risk appetite and ensure operational integrity and compliance with applicable regulations.
PHYSICAL SKILLS, ABILITIES, AND EXERTION UTILIZED IN THE PERFORMANCE OF THESE TASKS:
1. Effective oral and written communication skills required to make presentations, and discuss products and services.
2. Must possess sufficient manual dexterity to skillfully operate an on-line computer terminal and other standard office equipment, such as financial calculators, personal computer, facsimile machine and telephone.
ORGANIZATIONAL CONTACTS & RELATIONSHIPS:
1. INTERNAL: All departments, all levels of management. May make regular reports to the Credit Policy, Strategy and Credit committees.
2. EXTERNAL: Peers in other financial institutions.
QUALIFICATIONS:
1. EDUCATION: Bachelor’s Degree in related field or equivalent work experience.
2. EXPERIENCE: 8 years or more experience as a Lender or in Credit Risk or Credit Administration at a financial institution. Demonstrated experience performing consumer and real estate credit risk management functions. Commercial credit risk experience is a plus.
3. KNOWLEDGE/SKILLS: Excellent knowledge of credit risk, project management, audit and business analysis. Excellent planning, time management, decision-making, presentation, organization, and interpersonal skills. Working knowledge of personal computer operations and various credit modeling/software applications such as SAS, R, or Python.
PHYSICAL REQUIREMENTS:
1. Prolonged sitting throughout the workday with occasional mobility required.
2. Corrected vision within the normal range.
3. Hearing within normal range. A device to enhance hearing will be provided if needed.
4. Occasional movements throughout the department daily to interact with staff, accomplish tasks, etc.
5. Unusually long work hours may be required to accomplish tasks.
LICENSES/CERTIFICATIONS:
None
REV. 2/8/2024 - 11 Days Ago
Manager, Credit Resolution
- AgWest Farm Credit
-
Rocklin, CA
FULL_TIME
- AgWest Farm Credit is a member-owned financial cooperative that provides financing and related services to farmers, ranchers, agribusinesses, commercial fishermen, timber producers, rural homeowners a...
- 1 Day Ago
Deputy County Executive Officer
- County Executive Office
-
Meadow Vista, CA
FULL_TIME
- Introduction Living in Placer County from Placer County Video Portal Placer County is comprised of over 1,400 square miles of beautiful and diverse geography, ranging from the residential and commerci...
- 16 Days Ago
Admin Assistant - Japanese bilingual skill plus
- Top Group
-
Sacramento, CA
FULL_TIME
- Our client, a Japanese Trading company, is now looking for an Admin Assistant in Sacramento, CA.Location: Sacramento, CAIndustry: TradingPosition: Admin Assistant - Japanese bilingual skill plusSalary...
- 24 Days Ago
Credit Clerk
- Meeks Lumber Company
-
Roseville, CA
FULL_TIME
- US LBM is one of the leading and fastest growing distributors of specialty building materials in the United States, with a team of over 15,000 employees located throughout the country. Since our found...
- 1 Month Ago
Credit Specialist
- Holt of California
-
Pleasant Grove, CA
FULL_TIME
- Holt of California is proud to be part of the elite group of Caterpillar dealers worldwide. At Holt we sell and service a wide-variety of equipment Tractors, Agricultural Equipment, Forklifts, Prime a...
- 1 Month Ago
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0 Top Credit Executive jobs found in Sacramento, CA area
Finance and Administration Manager
- Downtown Sacramento Partnership
-
Sacramento, CA
- Job Description Job Description This position is responsible for managing the companys operations to provide an optimall...
- 4/19/2024 12:00:00 AM
Personal Banker - Roving Western Gateway District
- WELLS FARGO BANK
-
Davis, CA
- Why Wells Fargo: Are you ready for the next step in your career? This is where it begins - at a company known for our "W...
- 4/19/2024 12:00:00 AM
Personal Banker Spanish Bilingual Sierra Valley
- WELLS FARGO BANK
-
Rancho Cordova, CA
- Why Wells Fargo: Are you ready for the next step in your career? This is where it begins - at a company known for our "W...
- 4/19/2024 12:00:00 AM
Personal Banker Spanish Bilingual Sierra Valley
- WELLS FARGO BANK
-
Citrus Heights, CA
- Why Wells Fargo: Are you ready for the next step in your career? This is where it begins - at a company known for our "W...
- 4/19/2024 12:00:00 AM
Fuel Compliance Officer - 12 Month Register
- Department Of The Treasury
-
Sacramento, CA
- Duties WHAT IS THE SMALL BUSINESS SELF EMPLOYEDDIVISION? A description of the business units can be found at: https://ww...
- 4/19/2024 12:00:00 AM
Personal Banker Spanish Bilingual Sierra Valley
- WELLS FARGO BANK
-
Folsom, CA
- Why Wells Fargo: Are you ready for the next step in your career? This is where it begins - at a company known for our "W...
- 4/19/2024 12:00:00 AM
Credit Specialist II
- Hedy Holmes Staffing Services
-
Lodi, CA
- Schedule: Monday-Friday 8am-5pm Pay: $23-$28.83/hr. Job location: Lodi, CA. (On-site) *No relocation offered. Job purpos...
- 4/16/2024 12:00:00 AM
Credit Administration Specialist
- Hedy Holmes Staffing Services
-
Lodi, CA
- Job Description Job Description Position: Credit Administration Specialist Pay Rate: $23.07 - $28.83 /hourly Location: L...
- 4/16/2024 12:00:00 AM
About Sacramento, California
Sacramento (/ˌsækrəˈmɛntoʊ/ SAK-rə-MEN-toh; Spanish: [sakɾaˈmento]) is the capital city of the U.S. state of California and the seat of Sacramento County. Located at the confluence of the Sacramento River and the American River in Northern California's Sacramento Valley, Sacramento's estimated 2018 population of 501,334 makes it the sixth-largest city in California and the ninth largest capital in the United States. Sacramento is the seat of the California Assembly, the Governor of California, and Supreme Court of California, making it the state's political center and a hub for lobbying and th...
Source: Wikipedia (as of 04/11/2019). Read more from Wikipedia
Income Estimation for Top Credit Executive jobs
$250,101 to $422,448
Sacramento, California area prices
were up 2.5% from a year ago
were up 2.5% from a year ago
What does a Top Credit Executive do?
Top Credit Executive in Birmingham, AL
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