Huntington Bancshares - Columbus, OH
posted 5 months ago
The Consumer Credit Risk Management Director is responsible for developing, applying, and enhancing the second line of Credit Administration credit risk analysis for Consumer Lending. This role operates under the oversight of the overall Corporate Risk Management framework. The primary focus is on evaluating and monitoring consumer credit risk appetite, identifying emerging opportunities, and addressing potential threats within the Consumer portfolios. The successful candidate will leverage credit risk evaluation and portfolio analytics to prepare and deliver engaging, forward-looking analyses to senior management, ensuring alignment with the bank's long-term risk tolerances. In this position, the director will interact with various internal risk management teams, including first line of defense teams, corporate risk functions, internal audit, and external regulators. Key responsibilities include providing comprehensive Credit Risk Management reporting and analysis for the portfolios, with a strong emphasis on identifying and managing emerging threats across all components of the credit lifecycle. This will be achieved through an enhanced credit risk Management Information System (MIS) framework that aligns with Risk Appetite and Credit Policy/Guidelines. The director will partner with the Consumer Credit Director and other risk leaders to create high-value analytics that proactively manage critical trends in the Consumer portfolios. Effective communication of key risks, outlining risk positions, and presenting analytical findings with associated business implications to executive leadership at the Credit Policy & Strategy Committee and line of business credit committees is essential. The role also involves participation in various peer risk governance meetings, including corporate-level governance or regulatory meetings/exams. Monitoring Risk Appetite and Key Risk Indicator (KRI) tolerances for credit metrics related to Consumer lending products is a critical aspect of this role. The director will oversee credit risk metric governance, escalating risks as necessary to executive management or corporate risk partners while fostering a culture of risk management awareness. Additionally, the director will serve as a direct manager for the Portfolio Risk Specialists and Junior Portfolio Risk Analysts, ensuring thorough analyses using analytical and statistical tools to identify credit risk gaps and opportunities for policy changes and portfolio optimization. The role also includes developing the credit risk knowledge and analytical abilities of the Portfolio Risk Specialists/Analysts by identifying leadership and growth goals for key talent.