Senior Credit Risk Architect

Seacoast Bank; North Carolina; On-site; USD 120,000 - 180,000; Full time

Job summary

Seacoast Bank is seeking a Senior Credit Risk Consultant in North Carolina to shape and advance enterprise credit risk management capabilities. This senior SME will develop and enhance risk frameworks, measurement methodologies, portfolio analytics, dual rating systems, concentration risk management, and executive reporting.

You will lead cross-functional risk initiatives, mentor analysts, and partner with Credit Risk leadership to translate complex data into clear, actionable insights for

Qualifications

• Minimum 10+ years in credit risk management or related field.
• Experience designing dual risk rating systems and PD/LGD concepts.
• Strong knowledge of risk analytics, KRIs, KPIs, and early warning indicators.
• Experience with enterprise risk governance and regulatory reporting.
• Ability to translate complex portfolio data into executive insights.
• Experience with big banks or regional banks preferred.

Responsibilities

• Design and enhance enterprise-wide credit risk analytics and reporting.
• Lead dual risk rating system development and calibration.
• Develop portfolio analytics across segments, geographies, and products.
• Create concentration risk management approaches and stress testing.
• Develop and maintain risk appetite metrics, KRIs, KPIs, and EWI.
• Prepare executive and Board-level credit quality dashboards.
• Leverage BI tools to automate monitoring and reporting.
• Support regulatory examinations and model validation activities.
• Provide mentorship and guidance to risk analysts.

Skills

Advanced analytical thinking

Strategic thinking

Data storytelling

Education

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

Tools

SQL

SAS

Python

R

Power BI

Tableau

Alteryx

Job description

Seacoast Bank is seeking a Senior Credit Risk Consultant in North Carolina to shape and advance enterprise credit risk management capabilities. This senior SME will develop and enhance risk frameworks, measurement methodologies, portfolio analytics, dual rating systems, concentration risk management, and executive reporting.

You will lead cross-functional risk initiatives, mentor analysts, and partner with Credit Risk leadership to translate complex data into clear, actionable insights for