SouthState Bank

Consumer Credit Risk Manager

SouthState Bank

full-time

Posted on:

Origin:  • 🇺🇸 United States • South Carolina

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Job Level

Mid-LevelSenior

About the role

  • Responsible for execution, support, and management within Consumer Credit Administration Division of first line risk under Enterprise Risk Management Framework.
  • Serve as point-of-contact for Consumer lending and credit attestation examiners including Internal Audit, Enterprise Risk Management, Compliance, Fair Lending, SOX/Internal Controls Risk, Segment Risk, and other risk functions.
  • Provide input for risk assessment and audit planning process.
  • Build strong relationships with Bank Management to address critical risk and control issues and add value as source of internal control and risk management best practices.
  • Provide guidance to Consumer Credit Administration Management as SME on regulatory and internal control requirements to support Director of Consumer Credit Risk.
  • Understand top and emerging risks and incorporate into risk management program.
  • Serve as primary contact for Risk Management and Internal Audit on matters relating to Consumer Credit Administration.
  • Support SouthState’s ERM Framework and compliance with Risk Appetite Statement.
  • Collaborate with Risk Management, Internal Audit, and other risk groups to improve risk management activities and oversight.
  • Develop partnerships with business units and stakeholders and maintain communications to gather risk data and confirm effectiveness of controls.
  • Provide oversight to ensure risks, controls and issues are captured in Governance Risk and Compliance system and addressed according to risk appetite.
  • Assist in creating and maintaining risk assessment process through Risk Registers and Bank Risk Assessments.
  • Develop and lead Business Process Risk Assessments, participate in new product/service initiatives to ensure risks are addressed.
  • Facilitate and support training on operational risk and risk mitigation standards.
  • Manage projects, identify significant control issues, and provide quality recommendations.
  • Support ongoing Credit Administration enhancements and review testing performed during attestations.
  • Assist with gathering information for regulatory exams or audits.
  • Assure confidential information is safeguarded.

Requirements

  • General banking knowledge
  • Risk Management and/or Internal Audit experience
  • Must be well-organized, accurate, and attentive to detail
  • Demonstrated thought leadership, ability to work autonomously, self-directed
  • Unquestionable ethics, integrity, and values.
  • Ability to professionally handle confidential matters
  • High level of energy, passion, and commitment to excellence.
  • Strong problem-solving skills, including creativity and innovative thinking combined with a willingness to challenge the status quo and act as a “change agent.”
  • Comprehensive knowledge of federal and state compliance laws and regulations related to consumer protection requirements.
  • Strong written and verbal communication skills to communicate effectively with various groups and individuals and different levels of management.
  • Ability to analyze large amounts of information and data and make informed, quick decisions.
  • Excellent multi-tasking skills and ability to function well under pressure and meet deadlines.
  • Strong knowledge of products, issues, risks, and the regulatory environment related to financial services.