Senior Credit Risk Strategist

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

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.