Senior Credit Risk Consultant

Seacoast Bank; Jacksonville (FL); On-site; USD 120,000 - 180,000; Full time

Job summary

Seacoast Bank seeks a Senior Credit Risk Consultant to advance enterprise credit risk management capabilities. You will act as a senior SME and trusted advisor, shaping frameworks, risk measurement, portfolio analytics, dual rating systems, concentration risk management, and executive-level reporting.

You will lead analytics, governance, and reporting initiatives, partnering with risk leadership and mentoring analysts to deliver actionable insights to senior management and risk committees.

Qualifications

• Bachelor's degree in Finance, Economics, Statistics, Mathematics, Accounting, Business, Risk Management, Data Analytics or related field.
• 10+ years of progressive experience in Credit Risk Management, Credit Analytics, Portfolio Risk Management, Enterprise Risk Management, Commercial Banking, or related discipline.
• Experience designing, implementing, or enhancing dual risk rating systems 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 PD, LGD, Expected Loss, stress testing, scenario analysis, portfolio analytics, credit quality monitoring, concentration risk, and regulatory risk governance.
• Advanced quantitative, analytical, critical-thinking, and data-storytelling capabilities.
• Experience with analytics and reporting tools such as SQL, SAS, Python, R, Power BI, Tableau, Alteryx, or similar platforms.

Responsibilities

• Design and enhance enterprise-wide credit risk analytics, monitoring, reporting, and governance frameworks.
• Lead dual risk rating systems design, implementation, governance, and calibration including PD, LGD, scorecards, and back-testing.
• Develop portfolio analytics across segmentation, risk migration, stress testing, and industry/geography/product insights.
• Create concentration risk management approaches with risk limits, thresholds, and escalation protocols.
• Develop risk appetite metrics, KRIs, KPIs, and early warning indicators for asset quality and underwriting.
• Lead executive and Board-level credit quality reporting and dashboards for senior management and risk committees.
• Leverage BI tools to automate monitoring and reporting capabilities.
• Ensure methodologies align with policies, regulatory guidance, governance standards, and controls.

Skills

Credit risk analytics

Regulatory risk governance

Executive reporting

Data storytelling

Cross-functional collaboration

Education

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

Master's degree preferred

Tools

SQL

SAS

Python

R

Power BI

Tableau

Alteryx

Job description

JOB SUMMARY

The Senior Credit Risk Consultant is a highly experienced individual contributor who will help shape and advance Seacoast Bank’s enterprise credit risk management capabilities. Serving as a senior subject matter expert and trusted advisor, this role is responsible for developing and enhancing credit risk frameworks, risk measurement methodologies, portfolio analytics, dual risk rating systems, concentration risk management, and executive-level reporting.

JOB SUMMARY

The Senior Credit Risk Consultant is a highly experienced individual contributor who will help shape and advance Seacoast Bank’s enterprise credit risk management capabilities. Serving as a senior subject matter expert and trusted advisor, this role is responsible for developing and enhancing credit risk frameworks, risk measurement methodologies, portfolio analytics, dual risk rating systems, concentration risk management, and executive-level reporting.

WHAT YOU'LL DO

• 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.

WHAT YOU'LL BRING

• Bachelor's degree in Finance, Economics, Statistics, Mathematics, Accounting, Business, Risk Management, Data Analytics, or a related field. Master's degree preferred.
• 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. Proven ability to develop executive-level credit quality reporting, dashboards, and portfolio insights.
• Advanced quantitative, analytical, critical-thinking, and data-storytelling capabilities.
• Experience with analytics and reporting tools such as SQL, SAS, Python, R, Power BI, Tableau, Alteryx, or similar platforms. Experience within a large regional, super-regional, money center bank, or comparable financial institution.

PREFERRED QUALIFICATIONS

• Experience supporting the Chief Credit Officer, senior risk committees, executive management, and/or Board-level risk reporting.
• Experience across multiple lending portfolios, including Commercial Real Estate (CRE), Commercial & Industrial (C&I), Consumer, and Specialty Lending.

What Will Make You Successful

You will thrive in this role if you can combine technical credit expertise with strategic thinking and strong business judgment. Success requires the ability to influence without direct authority, communicate complex risk concepts clearly, challenge constructively, partner across functions, and turn sophisticated analytics into meaningful recommendations for senior decision-makers.

Success will ultimately be measured by stronger portfolio transparency, effective risk rating and monitoring capabilities, actionable executive reporting, sound governance and regulatory outcomes, and management's ability to identify and proactively address emerging credit risks.

DISCALIMER

The Statements above are intended to describe the general nature and level of work being performed by people assigned to this position. They are not intended to be an exhaustive list of responsibilities, duties, and skills. Because these statements are general, the job description is used for a variety of purposes including job evaluations; performance reviews; recruitment; etc. All Associates are required to adhere to the highest legal and ethical standards applicable to our industry. It is the policy of Seacoast Bank that all Associates will be familiar and compliant with all regulatory, legal, ethical and Bank risk mitigation requirements pertaining to both our industry and their individual roles. This includes the on time, successful completion of annual required training post-hire and effective execution of role responsibilities.