Senior Credit Risk Architect

Seacoast Bank; Florida; On-site; USD 140,000 - 200,000; Full time

Job summary

Seacoast Bank is seeking an experienced Senior Credit Risk Consultant to shape and advance the bank's credit risk management capabilities. You will develop frameworks, risk measurement methodologies, and portfolio analytics, serving as a trusted advisor on risk strategy and governance.

The role involves leading dual risk rating design, executive-level reporting, and cross-functional risk initiatives, with a focus on PD/LGD, concentration risk, and regulatory alignment.

Qualifications

• 10+ years of progressive experience in Credit Risk Management or related discipline.
• Experience designing, implementing, or enhancing dual risk rating systems and working across the credit lifecycle.
• Strong experience developing enterprise credit risk analytics, portfolio monitoring, concentration limits, risk appetite frameworks, KRIs, KPIs, and early warning indicators.

Responsibilities

• Design and enhance enterprise-wide credit risk analytics, monitoring, reporting, and governance frameworks that support proactive identification and management of portfolio risk.
• Lead the design, implementation, governance, and ongoing enhancement of dual risk rating systems, including Probability of Default (PD), Loss Given Default (LGD), rating methodologies, scorecards, calibration, overrides, performance monitoring, migration analysis, and back-testing.
• Develop comprehensive portfolio analytics including segmentation, risk migration and trend analysis, stress testing, scenario analysis, and evaluation of performance across industries, geographies, products, business lines, and borrower segments.
• Develop quantitative approaches to concentration risk management, including risk limits, thresholds, escalation protocols, and mitigation strategies informed by portfolio diversification, loss expectations, capital impacts, correlations, historical performance, and stress testing.
• Develop and maintain risk appetite metrics, KRIs, KPIs, and Early Warning Indicators that provide timely visibility into asset quality, risk rating migration, concentrations, delinquencies, non-performing assets, underwriting quality, portfolio growth, and emerging risks.
• Lead the development of executive and Board-level credit quality reporting and dashboards, translating complex portfolio data into clear, actionable risk insights for senior management and risk committees.
• Leverage business intelligence, analytics, and visualization tools to enhance and automate portfolio monitoring and reporting capabilities.
• Ensure credit risk methodologies and reporting align with credit policies, regulatory guidance, risk governance standards, and internal control expectations; support regulatory examinations, audits, independent reviews, and model validation activities.
• Serve as a strategic advisor and subject matter expert to Credit Risk leadership, providing independent challenge and recommendations related to portfolio risk, credit strategy, concentrations, and emerging risk.
• Lead complex cross-functional risk initiatives and provide mentorship and technical guidance to analysts and other risk professionals.

Skills

Quantitative analysis

Data storytelling

Analytical thinking

Communication

Education

Bachelor's degree in Finance, Economics, Statistics, Mathematics, Accounting, Business, Risk Management, Data Analytics, or related field

Master's degree preferred

Tools

SQL

SAS

Python

R

Power BI

Tableau

Alteryx

Job description

Seacoast Bank is seeking an experienced Senior Credit Risk Consultant to shape and advance the bank's credit risk management capabilities. You will develop frameworks, risk measurement methodologies, and portfolio analytics, serving as a trusted advisor on risk strategy and governance.

The role involves leading dual risk rating design, executive-level reporting, and cross-functional risk initiatives, with a focus on PD/LGD, concentration risk, and regulatory alignment.