Senior Credit Risk and Portfolio Officer

At Customers Bank, we believe in working hard, working smart, working together to deliver memorable customer experiences and having fun. Our vision, mission, and values guide us along our path to achieve excellence. Passion, attitude, creativity, integrity, alignment, and execution are cornerstones of our behaviors. They define who we are as an organization and as individuals. Everyone is encouraged to have personal development plans. By doing so, our team members are on their way to achieve their highest potential and be successful in their personal and professional lives.

Who is Customers Bank?

Founded in 2009, Customers Bank is a super-community bank with over $22 billion in assets. We believe in dedicated personal service for the businesses, professionals, individuals, and families we work with.

We get you further, faster.

Focused on you: We provide every customer with a single point of contact. A dedicated team member who’s committed to meeting your needs today and tomorrow.

On the leading edge: We’re innovating with the latest tools and technology so we can react to market conditions quicker and help you get ahead.

Proven reliability: We always ground our innovation in our deep experience and strong financial foundation, so we’re a partner you can trust.

What you’ll do:

Reporting to the Chief Credit Officer- CCF, this position combines portfolio management responsibilities along with occasional front-line transaction underwriting for CCF's commercial lending portfolio. This role is designed for a seasoned professional who thrives on variety and can seamlessly transition between portfolio-wide analysis and transaction-level credit evaluation. The position serves as a bridge between our credit underwriting team and portfolio management functions, ensuring consistent risk standards while supporting CCF’s business growth objectives.

This hybrid role requires a strategic thinker who can balance detailed transaction analysis with big-picture portfolio oversight. The candidate will work independently on commercial loan and lease transactions while also implementing portfolio-wide risk management strategies. This position offers significant variety and intellectual challenge, making it ideal for a professional who seeks diverse responsibilities and continuous learning opportunities.

Portfolio Risk Management

• Portfolio Monitoring & Analysis: Monitor and help analyze portfolio composition, concentration limits, and risk trends across CCF's $1B+ commercial lending portfolio

• Risk Rating Oversight: In concert with the Chief Credit Officer-CCF, serve as subject matter expert on risk rating methodology, ensuring consistent application and leading periodic calibration exercises

• Watch List Management: In concert with the Chief Credit Officer-CCF, lead watch list processes, including early identification of deteriorating credits and coordination with Special Assets Group as necessary

• Regulatory Compliance: Serve as primary liaison with regulators during portfolio examinations and ensure adherence to regulatory guidance

• Concentration Management: Monitor and report on concentration limits by industry, geography, and individual obligors, advising management on portfolio diversification strategies

• Portfolio Reporting: Produce comprehensive portfolio analysis reports for senior management and board presentations as requested

Portfolio Surveillance & Covenant Management

• Annual Review Coordination: Lead and underwrite annual reviews across the portfolio, ensuring consistent quality and timely completion while maintaining direct customer relationships where appropriate

• Covenant Tracking Leadership: Lead management of systematic covenant tracking processes, working closely with Credit Administration and Financial Operations to establish proper monitoring protocols

• Activity Tracking & Reporting: Oversee comprehensive activity tracking systems for all portfolio monitoring requirements, ensuring timely identification of exceptions and covenant violations

• Early Warning Systems: Work on helping to develop early warning indicators and surveillance reporting to proactively identify potential credit issues

Complex Transaction Underwriting

• Large/Complex Deal Underwriting: Serve as underwriter for transactions requiring specialized expertise

• Industry Specialization: Develop expertise in specific industry verticals and serve as a go-to underwriter for those sectors

• Credit Structure Innovation: Work with relationship managers to develop credit structures for unique situations while maintaining sound ri