Coastal Community Bank - Partner Credit Manager II

United States$98k - $123k1mo ago

Remote Mid APAC Banking Nonprofit Fintech Partner Manager Legal Counsel Managing Partner Excel Reporting Business Intelligence Team Management Performance Management

Requirements

• HOW YOU’LL DO IT • Partner Program Oversight • Lead the oversight and governance of partner lending programs to ensure alignment with Coastal Bank’s credit risk policies, risk appetite, and regulatory expectations • Evaluate new and existing partner relationships, including underwriting strategies, credit policies, decisioning frameworks, and portfolio performance trends • Conduct ongoing monitoring and risk reviews of partner portfolios to identify emerging risks, adverse trends, concentration exposures, operational control weaknesses, and portfolio performance deterioration • Provide independent review and effective challenge of partner credit strategies, policies, program performance, and risk mitigation practices • Collaborate with business development, product, compliance, and third-party risk teams to ensure partner programs operate within established governance frameworks • Recommend corrective actions, policy enhancements, or strategic adjustments based on portfolio performance, monitoring results, and evolving risk conditions • Demonstrated experience managing partner, fintech, or third-party lending programs within a regulated financial institution • Strong understanding of consumer and small business lending products, including unsecured loans, lines of credit, and card programs • Bachelor’s degree in finance, Accounting, Economics, Business, or a related field required • Advanced degree or equivalent combination of education and relevant experience preferred • 7+ years of experience in credit risk management, credit administration, underwriting, or portfolio risk management within consumer and/or commercial lending environments • Experience working with fintech partnerships, embedded finance, or Banking-as-a-Service (BaaS) programs preferred • Experience performing portfolio segmentation analysis, vintage analysis, roll-rate analysis, and performance trending within consumer or small business lending portfolios preferred • Experience within a regulated financial institution with exposure to partner oversight, third-party risk management, or fintech governance frameworks • Familiarity with credit risk models, portfolio analytics, stress testing, and performance monitoring methodologies • Strong proficiency in Excel and experience working with large data sets, reporting tools, portfolio analytics platforms, and business intelligence or visualization • HOW YOU’LL THRIVE AT COASTAL • Be the Best – Communicate effectively, pay close attention to detail, and prioritize your personal development. • Be Relentless – Thrive in a goal-oriented environment exercising both patience and persistence. Advocate for our customers and team members and strive to promote the Coastal Difference. • Be Un-Bankey – Be a forward thinker with a creative mindset. Build long-lasting relationships promoting the Coastal Difference, built on a foundation of integrity, honesty, and trust. • Embrace Gray Thinking – Use sound judgment while decision-making and problem-solving. Think outside the box. • Stay Flexible – Organize and strategize effectively while always being prepared to adapt on the fly. Seek efficiencies for Coastal to work smarter, not harder. • Take Care of Each Other – Understand what it means to be a true team player and have your teammate's back. Practice self-awareness and build your emotional intelligence. • BEING YOU AT COASTAL

Responsibilities

• Serve as a second line of defense function providing independent oversight, review, and effective challenge of partner credit risk management practices and lending program performance • Prepare and present portfolio risk assessments, trend analysis, and emerging risk themes to senior management and governance committees in a clear and actionable manner • Develop and maintain credit risk policies, standards, monitoring routines, and reporting frameworks for partner-related credit exposures • Provide oversight of credit risk models and decisioning frameworks, ensuring validation, back-testing, and ongoing performance monitoring are conducted in accordance with model risk governance requirements • Escalate material risk issues, control gaps, and emerging concerns to senior management through established governance processes • Support regulatory examinations and internal audit engagements related to partner lending programs and credit risk management practices • Consumer and Business Credit Program Management • Oversee risk strategies and assigned partner portfolios across consumer and small business lending programs • Monitor portfolio performance, including delinquencies, charge-offs, fraud losses, concentrations, and vintage trends • Independently analyze portfolio and underwriting performance data to identify emerging risks, assess underwriting effectiveness, and develop actionable risk mitigation recommendations • Recommend adjustments to credit policy, underwriting criteria, exposure limits, or partner agreements based on portfolio performance and evolving risk conditions • Participate in portfolio reviews, stress testing, and concentration risk assessments to support proactive risk management practices • Strong understanding of regulatory expectations and guidance applicable to partner banking, including OCC, FDIC, CFPB, and third-party risk management principles • Experience evaluating underwriting strategies, credit policies, decisioning frameworks, and portfolio performance trends • Strong analytical and quantitative skills with the ability to independently interpret complex data, identify material risk trends, and develop actionable recommendations • Demonstrated ability to synthesize portfolio data, underwriting performance, and emerging risk themes into concise and effective communications for senior management and cross-functional stakeholders • Ability to manage multiple priorities in a fast-paced and evolving environment • Strong attention to detail and organizational skills with a commitment to timely and accurate execution • Proficiency in Excel and experience working with large data sets, reporting tools, portfolio analytics platforms, and business intelligence or visualization tools • Collaborative and professional approach when working with internal stakeholders, strategic partners, legal counsel, compliance, and risk management teams

Benefits

• We’re proud to offer a comprehensive benefits package designed to support your health, financial well-being, and work-life balance. Our offerings include: • Medical Coverage: Choose from three competitive medical plans to find the coverage that best fits your needs and lifestyle. • Health Savings Account (HSA): Available with eligible medical plans, offering tax advantages and employer contributions. • Flexible Spending Accounts (FSA): Options for healthcare and dependent care expenses to help you save on out-of-pocket costs. • Dental and Vision Insurance: Plans to keep you and your family smiling and seeing clearly. • Life Insurance: Company-paid basic life insurance with options to purchase additional coverage for yourself and your dependents. • Long-Term /Short-Term Disability (LTD): Income protection in the event of a long-term illness or injury. • Supplemental Benefits: Including Hospital Indemnity, Accident Insurance, and Critical Illness coverage to provide extra financial support when you need it most. • 401(k) Retirement Plan: A competitive retirement savings plan with company matching to help you plan for the future. • Paid Time Off: Generous vacation and sick leave policies to support your time away from work. • Holidays: Enjoy 11 paid holidays throughout the year. • Check out our benefits on our careers site https://jobs.ashbyhq.com/coastal!! • PHYSICAL DEMANDS • The physical demands described below are required to perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. • While performing the duties of this job, the employee must be able to: • Sit for extended periods of time. • Stand for extended periods of time. • Perform repetitive finger, hand, and arm movement. • Use electronic office equipment such as a computer keyboard, mouse, ten key, telephone, etc. • View and read computer screens for extended periods. • Occasionally stoop, kneel, crouch, or crawl. • Occasionally lift or move up to 10 pounds.