Manager, Risk, Credit & Lending Operations

Wintrust provides community and commercial banking, specialty finance and wealth management services through its 16 bank charters and nine non-bank businesses. Wintrust delivers the sophisticated solutions of a large bank while staying true to the relationship-focused, personalized service of our community banking roots. We serve clients in all 50 states with more than 200 branch banking locations in Illinois, southwestern Florida, northwestern Indiana, west Michigan and southern Wisconsin and commercial banking offices in Chicago, Denver, Milwaukee, Grand Rapids, Mich., and in key branch banking locations throughout Illinois. Our people are the heart of our business and we are proud to rank consistently as a top place to work. Wintrust is a $66 billion financial institution based in Rosemont, Illinois, and listed on the NASDAQ Global Select Market under the symbol “WTFC.”

Why join us?

• An award-winning culture! We are rated a Top Workplace by the Chicago Tribune (past 10 years) and Employee Recommended award by the Globe & Mail (past 6 years)

• Competitive pay and discretionary or incentive bonus eligible

• Comprehensive benefit package including medical, dental, vision, life, a 401k plan with a generous company match and tuition reimbursement to name a few.

• Family-friendly work hours

• With 175+ community bank locations, we offer opportunities to grow and develop in your career.

• Promote from within culture.

Why join this team?

• We have a culture that encourages an entrepreneurial spirit.

• We offer multiple opportunities for development and upward mobility.

What You’ll Do:

The Risk Manager, Credit & Lending Operations, will lead the continuous development of our operational risk and compliance oversight. Develop and oversee new centralized, enterprise quality control functions including migration from existing/legacy functions.  While aligning practices to Wintrust enterprise risk and compliance framework, develop process and controls to proactively identify, manage, monitor, report and mitigate risks and issues.  Lead and manage reviews, periodic risk assessments and regulatory exams and manage all issues/findings including coordination of remediation/action plans.

Risk Management and Oversight

• Risk assessment, identification, remediation

• Lead RCSA’s, the BSA/AML risk assessment, SOX control validation/testing, and third-party risk reviews for Credit & Lending Operations

• Lead Compliance/Fair Banking, Internal Audit, regulatory and similar reviews

• Act as single point of contact for all issues including Compliance, Risk Management, ICFR/SOX, self-identified issues and others.  Coordinate and manage action plans, remediation and escalations as needed.

• Lead for regulatory changes and management for Credit & Lending Operations

• Act as main point of contact for advising changes to regulation applicability, risk policies and procedures

• Develop strong working relationships with the second and third lines of defense.

• Take ownership of and refine business continuity and business recovery plans spanning Credit & Lending Operations.

• Manage complaints and all other risk, compliance, regulatory issues for Credit & Lending Operations

Quality Control

• Develop and maintain loan sampling methodology to drive review population.  Adjust as needed for new or amended products, business lines or other material changes impacting the loan setup workflow

• In partnership with Business, Credit, Risk and Finance partners, develop and execute checklists that appropriately capture operational risk

• Validate completeness of exception tracking for missing/incomplete documents, and collateral documentation, including lien verification and/or tickler setup for trailing documents

• Produce and distribute quality control reports for management and/or applicable risk committees

• Analyze and provide feedback to key stakeholders on defects, exceptions and potential procedure or control breakdowns

Controls and Reporting

• Own existing RCSA’s, key compliance controls, ICFR/SOX and other controls. Design appropriate controls to mitigate risk, ensuring effectiveness through periodic annual testing and review

• Conduct control effectiveness reviews/testing and recommendation changes as needed

• Maintain inventory of compliance and risk controls, mapped to appropriate policies and procedures

• Manage compliance and risk review and approval prior to impl