Senior Credit Risk Architect & Analytics Leader

Seacoast Bank; Florida; On-site; USD 150,000 - 190,000; Full time

Job summary

Seacoast Bank is seeking a Senior Credit Risk Consultant to shape enterprise credit risk management capabilities and serve as a senior SME for risk frameworks, PD/LGD, portfolio analytics, and executive reporting.

The role partners across Credit Risk, Portfolio Management, Finance, Enterprise Risk Management, Credit Administration, and Technology to deliver insights into portfolio performance and emerging risks, translating complex data for senior leaders.

Qualifications

• Bachelor's degree in Finance, Economics, Statistics, Mathematics, Accounting, Business, Risk Management, Data Analytics, or a related field.
• 10+ years of progressive experience in Credit Risk Management, Credit Analytics, Portfolio Risk Management, Enterprise Risk Management, Commercial Banking, or a related discipline.
• Demonstrated 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.
• Advanced knowledge of credit risk concepts including PD, LGD, Expected Loss, stress testing, scenario analysis, portfolio analytics, credit quality monitoring, concentration risk, and regulatory risk governance.

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 PD, 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 skills

Analytical thinking

Critical thinking

Data storytelling

Education

Bachelor's degree

Master's degree

Tools

SQL

SAS

Python

R

Power BI

Tableau

Alteryx

Job description

Seacoast Bank is seeking a Senior Credit Risk Consultant to shape enterprise credit risk management capabilities and serve as a senior SME for risk frameworks, PD/LGD, portfolio analytics, and executive reporting.

The role partners across Credit Risk, Portfolio Management, Finance, Enterprise Risk Management, Credit Administration, and Technology to deliver insights into portfolio performance and emerging risks, translating complex data for senior leaders.