SVP, Credit Risk Manager

At Axiom Bank, we encourage you to aim for the sky and leverage your expertise and passion to excel. We are a growing, dynamic organization – this is an exciting time to get on board!

We believe in the value of promoting a healthy work/life balance and are committed to recognizing the role everyone plays in our ongoing success. We offer the following benefits to our Full Time Employees:

• 12 Paid Holidays
• Generous Paid Time Off
• 4% Match on our 401(k)
• Medical, Dental and Vision Benefits
• 100% Company Paid Life, AD&D Insurance, Short and Long Term Disability

Key Responsibilities and Accountabilities

• Lead the analysis of high-value credit applications for consumer loans, lines of credit, and structured financial products, including in-depth reviews of borrower financials, credit histories, and collateral assessments.
• Evaluate partner credit underwriting, consumer loan, lines of credit, and structured financial products providing oversight and identifying risks and issues.
• Oversee due diligence of partner credit and lending activity providing oversight and identifying risks and issues as well as working with the partners on remediation.
• Evaluate and approve creditworthiness for complex cases, incorporating advanced metrics such as stress testing, scenario analysis, and portfolio-level risk impacts.
• Review receivables purchase of consumer credit to ensure they fit within the bank's approved credit box, including verifying eligibility criteria, collateral quality, and alignment with risk appetite guidelines.
• Prepare detailed credit memos, risk assessments, and recommendations for senior management or credit committees, including approvals, denials, or restructurings of significant credit requests.
• Monitor and manage ongoing credit portfolios, identifying emerging risks, delinquencies, or defaults, and recommending proactive mitigation strategies.
• Ensure underwriting practices comply with federal regulations (e.g., FCRA, TILA), internal policies, and evolving industry standards, while contributing to policy updates.
• Collaborate with cross-functional teams, including relationship managers, legal, compliance, and executive leadership, to resolve intricate credit challenges and optimize processes.
• Leverage advanced credit scoring models, financial analytics tools, and industry benchmarks to drive efficient and informed decision-making.
• Participate in strategic initiatives, such as risk appetite refinement and regulatory audits, to enhance the bank's overall credit risk management framework.

Supervision of Personnel

• None

Working Conditions

• Typical office environment. Minimal physical effort required, normally seated with freedom of movement on a regular basis. The incumbent will be expected to be able to work Monday through Friday and work will mainly be performed at the Maitland location; occasional evening and weekend work may be required. Flexibility with work location and hours may be granted if circumstances permit.

Travel

• Must be willing to travel to various locations for partner due diligence if needed.

Qualifications Summary

Education

• Bachelor’s degree in finance, Accounting, Business Administration, or a related field; Master's degree, CFA, or Credit Risk Certification (e.g., CRC) preferred.

Experience

• 7+ years of progressive experience in credit underwriting, with a focus on consumer lending in a banking or financial services environment.
• Demonstrated expertise in managing receivables and collateral evaluations within consumer credit portfolios.
• Proven leadership experience, including mentoring teams and handling high-stakes credit decisions.

Knowledge & Skills:

• Advanced analytical and problem-solving abilities, with proficiency in complex financial modeling, data interpretation, and risk forecasting.
• Expertise in credit analysis software and advanced Microsoft Office tools.
• Strong attention to detail, with the capacity to manage high-priority tasks in a dynamic, fast-paced setting.
• Excellent communication and presentation skills for conveying complex credit insights to stakeholders and leading team discussions.
• In-depth knowledge of banking regulations, with a strong ethical commitment to compliance and risk management.
• Leadership qualities, including the abili