JOB SUMMARY
Manage Credit Risk Review’s (CRR) credit risk analytics in support of its regulatory mandate to provide a fully independent analysis of U.S.-based credit risk, including ensuring risk rating integrity and the conformity of all credit extensions with Seacoast policy and regulatory guidance/expectations.
ESSENTIAL DUTIES AND RESPONSIBILITIES:
- Manage all data integration necessary for CRR to perform its core functions.
- Develop and maintain comprehensive, data-driven risk analysis for subject credit risk portfolios.
- Develop and maintain data-driven sample selection files which align with U.S. regulatory expectations. Utilize data to inform sample selection via the identification of higher-risk credits.
- Generate timely credit risk reporting to be used in monthly risk assessments, quarterly Board reports, and ad-hoc/regulatory requests.
- Manage the recording and tracking of CRR Issues on firm-wide issue tracking systems as necessary.
- Manage continual improvement of CRR’s workpaper platform to ensure stability, efficiency and audit trails.
- Ensure all data touchpoints are in full compliance with Seacoast global and local protocols and requirements.
- Assist in the planning and execution of the CRR annual Plan as directed.
- Maintain a thorough understanding of, and CRR’s full compliance with, all Seacoast data and systems policies and relevant U.S. regulatory requirements.
- Lead and manage CRR’s emergency contingency and recovery plans.
- Undertale additional responsibilities/special projects as directed.
EDUCATION and/or EXPERIENCE
- Bachelor’s degree in MIS, Finance, Business Administration, Economics or Accounting or equivalent work experience is necessary. MBA, financial certification (CFA, FRM, etc.) and/or successful completion of a formal financial services credit training program highly desired.
- 10+ years’ financial services experience with extensive knowledge of credit and credit risk in the commercial/ industrial, commercial real estate and/or retail industries.
- 10+ years’ experience working with SQL, Oracle, Qlikview and/or Python in data management in direct support of the credit, credit risk, credit risk review, credit administration and/or credit regulatory reporting function of a financial institutions and/or U.S. regulatory agency (FRB, OCC, FDIC, etc.).
- Familiarity with a variety of credit products (corporate credit, mortgages, acquisitions financing, project financing, trade financing, leasing, securitizations, derivatives, etc.) and a willingness to learn new credit products.
- Expert knowledge of Microsoft Office products suite.
Ability to work independently and proactively with minimal supervision. - Excellent interpersonal communication (written and verbal) and negotiating skills.
- Ability to mentor and manage a small team (1-3 people).
- Some travel may be required.
The Statements above are intended to describe the general nature and level of work being performed by people assigned to this position. They are not intended to be an exhaustive list of responsibilities, duties, and skills. Because these statements are general, the job description is used for a variety of purposes including job evaluations; performance reviews; recruitment; etc. All Associates are required to adhere to the highest legal and ethical standards applicable to our industry. It is the policy of Seacoast Bank that all Associates will be familiar and compliant with all regulatory, legal, ethical and Bank risk mitigation requirements pertaining to both our industry and their individual roles. This includes the on time, successful completion of annual required training post-hire and effective execution of role responsibilities.
Equal Opportunity Employer/Protected Veterans/Individuals with DisabilitiesThis employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.
Skills Required
- Bachelor's degree in MIS, Finance, Business Administration, Economics, Accounting, or equivalent work experience
- 10+ years of financial services experience with extensive commercial, commercial real estate, and/or retail credit risk knowledge
- 10+ years of experience with SQL, Oracle, QlikView, and/or Python in credit or credit risk data management
- Familiarity with a variety of credit products, including corporate credit, mortgages, acquisition financing, project financing, trade financing, leasing, securitizations, and derivatives
- Expert knowledge of Microsoft Office products
- Ability to work independently and proactively with minimal supervision
- Excellent written and verbal communication and negotiating skills
- Ability to mentor and manage a small team of 1-3 people
- MBA, CFA, FRM, or formal financial services credit training
Seacoast Bank Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Seacoast Bank and has not been reviewed or approved by Seacoast Bank.
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Leave & Time Off Breadth — Paid holidays, vacation/PTO, and sick leave are part of the package, with bank holidays providing additional time off beyond standard PTO.
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Retirement Support — A 401(k) with company match and profit sharing are offered, alongside an active employee stock purchase plan that broadens long‑term wealth‑building options.
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Wellbeing & Lifestyle Benefits — Medical, dental, vision, wellness program, EAP, flexible spending accounts, tuition reimbursement, and banking‑service perks (e.g., free accounts and safe‑deposit box) round out total compensation beyond base pay.
Seacoast Bank Insights
What We Do
Since 1926, Seacoast Bank has succeeded through a clear vision, planned strategic growth and talented, professional employees. Seacoast provides integrated financial services including commercial and consumer banking, wealth management and mortgage services to customers at 85 full-service branches across Florida, and through advanced mobile and online banking solutions. Seacoast Bank is the wholly owned subsidiary bank of Seacoast Banking Corporation of Florida (NASDAQ: SBCF), one of the largest community banks headquartered in Florida and is Member FDIC/Equal Housing Lending. As of 2023, Seacoast Bank has just under 1,600 associates, $15 billion in assets and $12 billion in deposits. Our Vision: To be the trusted advisor of choice to the customers, businesses, and communities we serve. Our Four Promises: We believe that our greatest assets will always be our people — local bankers who are knowledgeable about the communities we serve and dedicated to an exceptional customer experience. For nearly a century, Seacoast Bank’s commitment to customers has remained the same and is summarized by its Four Promises. We promise to: 1. Get you comfortable with the right products and the right team to serve you 2. Make your day-to-day banking simple 3. Resolve out-of-the-ordinary items responsively 4. Invest in you and your community Please note: This page is intended to be an informational place for our customers and employees to connect and interact. To ensure that visiting our LinkedIn page is a great experience for everyone, we have a several guidelines that we ask you to follow. The Seacoast Bank Social Media Terms Of Use can be viewed at https://www.seacoastbank.com/agreements-and-disclosures/social-terms.
