Director - Consumer Risk

Position Purpose:

This role works in partnership with the Managing Director – Enterprise Risk & Commercial Banking, Chief Credit Officer, and Chief Banking Officer to ensure consumer lending products and underwriting standards align with Bank Policy, Fair Lending regulations, and safe and sound lending practices. Role responsibility includes consumer loan approval authority which will be utilized to evaluate/adjudicate consumer loans according to the Bank’s Credit Policy. In addition, the position may participate in the analysis of credit relationships, underwriting, annual reviews, and overall consumer portfolio management.

Primary Responsibilities:

• Evaluate/adjudicate consumer loans according to the Bank’s Credit Policy and fully review consumer loans greater than approval limit to offer endorsement to the Chief Risk Officer for review/approval.

• Assist Risk Management and the Chief Banking Officer in ensuring new and existing consumer lending products align with Bank Policy, Fair Lending regulations, and safe and sound lending practices.

• Coordinate with the Managing Director – Enterprise Risk & Commercial Banking to streamline the consumer underwriting, adjudication, and portfolio management processes, including third party systems, in-house templates, and proprietary risk rating scorecards.

• Communicate with Bankers to discuss new and existing loan relationships.

• Work with Bankers to foster consistency in the analysis of customers’ creditworthiness and cash flow to determine adherence to Bank’s credit requirements.

• Review credit files and coordinate with portfolio managers / underwriters / lenders to assist in preparation for internal and external audits.

• Prepare periodic Loan Committee/Board reports and analyses on consumer loan segments of the loan portfolio as necessary, for the benefit of supervisory agencies and executive officers.

• Assist with other projects and strategic revenue initiatives as requested.

Authority, Impact, Risk:

• Regulatory examinations and ratings.

• Growth in loan portfolio and net interest income.

• Impact to balance sheet.

• Retail Credit approval authority.

• Ensures appropriate due diligence is exercised in credit applications, underwriting, maintenance of files, credit bureau reporting and other processes.

• Exercises good judgment that balances risk to shareholders and customer experience when making decisions.

• BSA, fraud, identity theft.

Key Relationships:

• CEO, COO, CBO, CIO, Chief Credit Officer, Chief Compliance Officer, President – Real Estate Banking, Chief Risk Officer (FCB/FCFS) and Chief Financial Officer (FCFS).

• Board Members and Shareholders.

• Market Executives/Presidents, Consumer Lenders, Senior Banking Officers, Director – Enterprise Risk & Commercial Banking.

• Loan Documentation Specialists.

Managerial Accountability:

• Influential leadership of peers when management is unavailable.

Working Conditions:

• Ability to work under tight deadlines.

• Ability to be self-motivated and well organized.

• Ability to multi-task.

• Good communication skills.

• Some Travel required.

• Understanding of FCB Credit Policy, pricing, and other pertinent regulations in the Bank’s Policy Manual.

Time Allocation:

• Consumer Risk Approvals ...75%

• Policy, product, and process review...20%

• Other / Management…5%

Job Specifications:

Position adheres to confidentiality policy, code of ethics and knowledge of Bank Secrecy Act and best practices and other pertinent Regulatory laws and regulations.

Required:

• Bachelor’s Degree and at least 10 years commercial banking experience.

• Lending, compliance, and audit related training.

• Strong computer skills.

• Communication skills.

• Excellent reading, writing, grammar, and mathematical skills.

• Understanding of State and Federal laws governing Consumer lending.

Preferred:

• 10 years of progressively more responsible job-related experience.

• Extensive experience in Consumer underwriting.

• Historical experience with consumer loan origination platforms

• High capacity for learning and articulating ideas.

Risk Management Requirements:

Understands and adheres to Workplace Policies, Code of Conduct, privacy, and information security guidelines. Understands and adheres to Anti-Money Laundering, Bank Secrecy Act, and Compliance with the USA PATRIOT Act policies and procedures applicable to position, completing any supporting requirements within defined timeframes. Acts within authorized limits and delegated authorities and role applicable policies and procedures. Follows processes and controls to protect shareholder interests. Mitigates risk to the bank and customers by following all applicable security procedures.

Equal Opportunity Employer including Veterans/Disabilities