Director, Credit Risk Management

Ent Credit Union and Wings Credit Union have merged, creating new opportunities for growth within a $20B+ organization. As the Director of Credit Risk, you will lead the second-line credit risk function, overseeing lending portfolios and elevating consistency, quality, and strategic value of credit risk review across the organization. Essential Functions Credit Risk Oversight and Portfolio Review Perform comprehensive evaluations of the credit union’s credit exposures, assess the quality of credit analysis and approval processes, verify the precision of credit ratings, and ensure compliance with established credit risk policies, standards, procedures, and overall risk appetite. Conduct independent reviews across all lending portfolios to assess credit quality and enforce adherence to relevant risk policies and procedures. Facilitate early identification of credit‑related issues, exceptions, and industry or geographic risk factors to support timely detection of portfolio deterioration. Risk Governance, Strategy, and Regulatory Awareness Contribute to the design and improvement of credit risk review strategies. Remain up to date regarding federal and state regulations impacting the lending function and the credit union’s portfolio. Stakeholder Engagement and Communication Manage and coordinate relationships with senior management stakeholders across all departments, presenting review findings clearly and confidently. Lead or participate in opening and closing meetings, communicating identified matters to leadership and relevant business units under review. Present well‑supported recommendations concerning processes, procedures, and credit risk to senior management, effectively challenging internal risk ratings when necessary. Training, Coaching, and Advisory Support Provide training and coaching to less experienced colleagues and offer advice to teams across all lines of defense as appropriate. Mentor and train less experienced colleagues, guiding teams where appropriate. Staff Management and Development Guide the daily activities of staff. Support skills augmentation as appropriate to support Ent initiatives. Mentoring/coaching of direct reports. Establish team and individual goals and pursue opportunities for personal development. Perform quarterly and annual performance assessments. Bank Secrecy Act: Remains cognizant of and adheres to Wings policies and procedures, and regulations pertaining to the Bank Secrecy Act. Qualifications Bachelor’s Degree in accounting, finance or related field. Master’s (MBA, Master of Finance) or relevant certification preferred. 9+ years’ experience in credit administration and/or credit risk management analytics at a financial institution or regulatory agency. 3+ years of team leadership or management experience. Proven credit risk expertise in consumer, mortgage or commercial lending at financial institutions, and in‑depth understanding of lending credit products. Experience in data analytics. Programming and data manipulation with SQL, Python, and R are a benefit. Confident negotiator with excellent oral and written communication abilities. Proven ability to collaborate at a senior level with internal and external stakeholders. Knowledge of risk governance frameworks, second‑line enterprise risk management, and internal controls. Exceptional analytical and problem‑solving skills; able to identify issues, ask insightful questions, and elevate appropriately. Able to clearly explain complex quantitative and model concepts to both technical and non‑technical audiences. Excellent organizational skills, capable of managing multiple deadlines. Bondable. The pay range for this position is: $180,000 to $200,000 per year plus a 20% annual target bonus. Benefits Generous 401(k) match 401k Discretionary Profit Sharing Health Insurance Dental Insurance Vision Insurance Life Insurance Short Term and Long Term Disability Health Savings Account with company contribution Employee Assistance Program Paid Vacation, Sick, Floating Holidays and Volunteer Time Off Paid Holidays Tuition Reimbursement Paid Parental Leave #J-18808-Ljbffr