Senior Enterprise Credit Risk Analytics Lead

Seacoast Bank; Florida; On-site; USD 140,000 - 170,000; Full time

Job summary

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

You will partner across Credit Risk, Portfolio Management, Finance, and Technology to translate complex risk data into actionable insights for senior leadership. This role requires deep credit expertise and strong quantitative storytelling.

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, or Enterprise Risk Management.
• Demonstrated experience designing 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 PD, LGD, Expected Loss, stress testing, scenario analysis, and regulatory risk governance.

Responsibilities

• Design and enhance enterprise-wide credit risk analytics, monitoring, reporting, and governance frameworks.
• Lead the design and governance of dual risk rating systems, including PD, LGD, scorecards, calibration, overrides, and back-testing.
• Develop portfolio analytics across segmentation, risk migration, stress testing, and scenario analysis across industries and geographies.
• Develop quantitative approaches to concentration risk management including risk limits and escalation protocols.
• Develop risk appetite metrics, KRIs, KPIs, and Early Warning Indicators for asset quality and risk migration.
• Lead executive and Board-level credit quality reporting and dashboards for senior management and risk committees.
• Leverage BI, analytics, and visualization tools to automate portfolio monitoring and reporting.
• Ensure methodologies align with policies, regulatory guidance, risk governance, and internal controls; support audits and model validation.
• Serve as a strategic advisor to Credit Risk leadership with independent challenge and recommendations.
• Lead cross-functional risk initiatives and mentor risk professionals.

Skills

Credit analytics

Portfolio risk management

Quantitative analysis

Data storytelling

Communication

Education

Bachelor's degree

Master's degree

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 serve as a senior SME and trusted advisor, shaping risk frameworks, measurement methods, portfolio analytics, and executive-level reporting.

You will partner across Credit Risk, Portfolio Management, Finance, and Technology to translate complex risk data into actionable insights for senior leadership. This role requires deep credit expertise and strong quantitative storytelling.