Analyst
Cummins Inc.
ERP
Head of Credit Risk Policy, Senior Director
TreviPay
full-time
Posted on:
Origin: • 🇺🇸 United States • Kansas
Visit company websiteJob Level
Senior
Tech Stack
ERP
About the role
- Identify current state risk management activities and governance structure, lead the formulation of the required / desired state based upon best practices, regulatory requirements, and company’s growth and risk appetite.
- Develop, document, implement, and maintain comprehensive credit risk policies aligned with the company’s goals. Policies may vary by country, sector, or program.
- Regularly assess policies to reflect business evolution, regulatory changes, or market conditions.
- Identify opportunities to safely expand credit parameters.
- Provide guidance on policy interpretation and implementation.
- Participate in internal and external audits related to credit risk aspects of business.
- Participate, as the policy leader, in the development and expansion of company’s credit risk management infrastructure as well as various enterprise risk management programs.
- Develop and execute training programs for underwriters to maintain consistency, risk alignment, and credit skills development.
- Conduct regular audits and quality assessments of underwriter work product.
- Working with Underwriting Segment Leaders, monitor discretionary credit authority limits of all holders, review their performance, and recommend changes to individual credit limits where appropriate.
- Experienced in holding $5 Million in commercial credit authority.
- Skilled in evaluating the creditworthiness of potential applicants and existing borrowers by analyzing financial data, credit reports, payment histories, as well as understanding sector specific risk trends to determine final credit decisions on larger applicants / households.
- Lead quarterly program and portfolio assessment, working with various stakeholders, for presentation to executive leadership team.
- Ensure compliance with applicable state and federal credit regulations and preparing detailed reports for executive management regarding compliance.
Requirements
- MBA or bachelor degree in finance, accounting, or a related field
- 15+ years in commercial underwriting (preferably both large commercial and small business lending) account risk management, loan portfolio risk management, and credit policy
- Excellent business writing skills
- Excellent verbal communication skills
- Excellent skills crafting and delivering executive or client facing presentations
- Project and/or change management experience preferred
- Creative approach to complex problem solving
- Ability to work as part of a dynamic, results oriented team
