Senior Credit Risk Consultant

Seacoast Bank; Tampa (FL); Presencial; USD 120 000 - 180 000; Tempo integral

Resumo da oferta

Seacoast Bank is seeking a Senior Credit Risk Consultant to shape enterprise credit risk management frameworks and analytics. You will serve as a senior SME and trusted advisor, developing PD, LGD models, concentration risk, and executive reporting to senior leadership.

The role partners across Credit Risk, Portfolio Management, Finance, and IT to translate complex risk data into actionable insights. A strong quantitative background and leadership in risk governance are essential.

Qualificações

• Bachelor’s degree in Finance, Economics, Statistics, Mathematics, Accounting, Business, Risk Management, Data Analytics or related field.
• 10+ years of progressive Credit Risk experience in analytics, risk management, or banking.
• Experience designing, implementing, or enhancing dual risk rating systems across the credit lifecycle.
• Strong enterprise credit risk analytics, portfolio monitoring, concentration limits, risk appetite frameworks, and early warning indicators.
• Advanced knowledge of PD, LGD, Expected Loss, stress testing, scenario analysis, and regulatory risk governance.
• Proficiency with SQL, SAS, Python, R, Power BI/Tableau/Alteryx or similar tools.

Responsabilidades

• Design and enhance enterprise-wide credit risk analytics, monitoring, reporting, and governance frameworks.
• Lead dual risk rating system design, implementation, governance, and ongoing enhancements.
• Develop portfolio analytics including segmentation, risk migration, stress testing, and scenario analysis.
• Develop concentration risk management approaches and escalation protocols.
• Create risk appetite metrics, KRIs, KPIs, and Early Warning Indicators for management visibility.
• Lead executive-level credit quality reporting and dashboards for senior leadership.

Conhecimentos

Credit risk analytics

Portfolio risk management

Data storytelling

SQL

Python

Power BI

Tableau

R

SAS

Alteryx

Formação académica

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

Master's degree preferred

Ferramentas

SQL

SAS

Python

R

Power BI

Tableau

Alteryx

Descrição da oferta de emprego

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.

This position partners across Credit Risk, Portfolio Management, Finance, Enterprise Risk Management, Credit Administration, and Technology to provide meaningful insights into portfolio performance and emerging risks. The ideal candidate combines deep credit expertise, strong quantitative capabilities, and the ability to translate complex risk data into actionable insights for senior leadership.

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.