Senior Consumer Credit Risk & Strategy Manager

Regions Bank; Hoover (AL); On-site; USD 135,000 - 189,000; Full time

Benefits offered by this job

401K match

Medical, Dental and Vision benefits

Paid vacation/sick time

Parental leave

Employee assistance program

Life insurance

Job summary

Regions Bank is seeking a Credit Risk Management Consumer Credit Manager to develop strategic recommendations that improve profitability while managing portfolio risk. The role operates within Regions' risk framework to identify, measure, mitigate, monitor and report on consumer credit portfolios.

The position requires at least a bachelor's degree and five years of experience in consumer credit risk management, with strong data analysis, underwriting guidance, and communication skills.

Qualifications

• Ability to evaluate, synthesize, organize, and interpret data and information
• Ability to provide direction in underwriting requirements and origination automation strategies
• Knowledge of quantitative analysis and static pool analysis
• Strong verbal, written communication, and organizational skills
• Understanding of Consumer Credit products, industry changes, regulatory requirements and banking laws

Responsibilities

• Recommends cohesive strategies that balance consumer loan growth, while managing risk
• Recommends and implements comprehensive consumer credit policies
• Provides governance oversight over Regions compliance with consumer credit policies
• Provides business insight and recommendations relating to credit model enhancements and their use in underwriting
• Utilizes alternative data sources to segment loan applicant data to enhance the depth of Regions customer relationships and improve organic growth
• Develops account management and collection prioritization strategies
• Independently reports key risks and emerging risk
• Interacts with senior management and will act as a liaison to business units on credit review management
• Develops, attracts, and retains talent required to carry out roles and responsibilities
• Mentors credit analysts

Skills

Data analysis

Underwriting guidance

Programming basics

Communication skills

Risk management

Education

Bachelor's degree

Job description

Regions Bank is seeking a Credit Risk Management Consumer Credit Manager to develop strategic recommendations that improve profitability while managing portfolio risk. The role operates within Regions' risk framework to identify, measure, mitigate, monitor and report on consumer credit portfolios.

The position requires at least a bachelor's degree and five years of experience in consumer credit risk management, with strong data analysis, underwriting guidance, and communication skills.