Huntington Bancshares - Cleveland, OH
posted 5 months ago
The Consumer Credit Risk Management Director at Huntington Bank is a pivotal role responsible for developing, applying, and enhancing the second line of defense in Credit Administration credit risk analysis specifically for Consumer Lending. This position operates under the overarching Corporate Risk Management framework, ensuring that the bank's credit risk strategies align with its risk appetite and policies. The successful candidate will evaluate and monitor consumer credit risk, identifying emerging opportunities and threats within the Consumer portfolios. Utilizing credit risk evaluation and portfolio analytics, the Director will prepare and deliver insightful, forward-looking analyses to senior management, ensuring that the bank's long-term risk tolerances are met. In this role, the Director will collaborate 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, with a primary focus on identifying and managing emerging threats throughout the credit lifecycle. 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 and analytical findings to executive leadership is essential, as is participation in various governance meetings and regulatory exams. The Director will also oversee a team of Portfolio Risk Specialists and Analysts, ensuring rigorous analyses are conducted to identify credit risk gaps and opportunities for policy optimization. This role requires a strong emphasis on developing the analytical capabilities of team members and serving as a Subject Matter Expert (SME) in cross-functional teams across the bank. Additionally, the Director will assist in credit risk analysis for new product development initiatives, ensuring that all credit risk issues are adequately addressed. Other duties may be assigned as necessary, making this a dynamic and influential position within the bank's risk management framework.