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EVP, Credit

Viably

Viably

Cary, NC, USA
Posted on Monday, September 25, 2023
This position will be responsible for the development, implementation, and leadership of enterprise-wide Credit Management. This includes execution and communication of policy, approval process, administration, portfolio analysis, and asset quality. This position works closely with all members of the executive team and individuals at all levels within the organization. You will support Viably's enterprise risk management philosophy toward credit and will ensure that appropriate policies, procedures, and systems are developed, implemented, and maintained to identify, measure, monitor, and control credit risks in accordance with Viably’s policies, standards, and applicable regulatory guidelines. You will support Viably’s overall objectives aimed at long-term sustainable growth and profitability. Requirements
  • Oversee the credit approval process, as well as portfolio monitoring systems for all current and future credit products
  • Ensure that credit policies are routinely reviewed, modified as necessary, and well-communicated throughout the organization
  • Maintain ongoing support of Viably’s credit culture for all current and future customers
  • Ensure that allowance for credit losses and the charge-off process and procedures are consistent with industry best practices and meet current and anticipated accounting and regulatory guidelines
  • Ensure that systems of internal controls and procedures are consistent with the highest standards in the industry and are appropriate for all regulatory requirements
  • Ensure that all loan systems and tracking techniques provide the appropriate data to management, risk management and the Board of Directors, to allow for accurate assessment of loan quality and risk management
  • Provide overall loan portfolio management analysis and oversight to ensure that Viably’s asset quality meets stated objectives and that the emphasis of Viably’s overall credit relationship management is consistent with Viably’s underwriting standards
  • Maintain a keen awareness of competitors’ activities, their credit practices, and of overall industry best practices
  • Serve as Viably’s liaison and coordinator when necessary to regulators, auditors, and other external constituents regarding the Bank’s credit management disciplines, loan quality and lending activities
  • Provide ongoing evaluation of existing systems and, when appropriate, evaluation, selection, and implementation of new systems to ensure that all policies and procedures are of the highest integrity and consistency
  • Maintain knowledge of applicable state and federal lending and compliance laws and regulations and implement appropriate policies, procedures, and controls
  • Manage loan delinquencies and loan servicing matters, including third party servicers & facilitate appropriate strategies and procedures to ensure that delinquencies and defaults are effectively managed and reported to the executive team
Qualifications, Knowledge, and Skills:
  • BS or BA degree in business, finance, or accounting. Advanced degree preferred.
  • Minimum of 10 years of combined experience with commercial and consumer credit risk and a minimum of five years leading the credit function
  • Ability to manage strategic relationships and provide sound risk management guidance to internal and external business partners
  • Thorough knowledge of credit and credit operations
  • Must be able to deal directly and effectively with outside service providers and loan institutions/organizations
  • Outstanding communications, organizational, and execution skills. Knowledge of and experience in regulatory compliance, including CRA and Fair Lending compliance
  • Strong knowledge of financial statement analysis and excellent knowledge of commercial and consumer credit loans, principles, policies, and practices
  • Excellent interpersonal, motivational, and leadership skills
  • A high level of initiative, strategic vision, independent thinking, thoroughness, analytical, negotiation and problem-solving skills
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