GreenState Credit Union · 3 weeks ago
VP Credit Risk Management
GreenState Credit Union is a financial institution focused on creating lasting value for its members and communities. They are seeking a VP of Credit Risk Management who will oversee credit underwriting and portfolio performance while ensuring compliance with regulatory standards.
BankingFinanceFinancial Services
Responsibilities
Adheres to the Credit Union's core values and Service Standards in conducting GreenState's mission and vision
Demonstrates a positive member service (internal and external) focus at all times
Demonstrates teamwork in all interactions with coworkers and in the completion of all duties and responsibilities
Ensures confidentiality of member information
Supports a diverse and inclusive work environment
Develop and implement comprehensive credit underwriting strategies for Consumer, Mortgage, and Commercial lines of business, aligning with the Credit Union's overall risk appetite and growth goals
Serve as a voting member of the Loan Committee, acting as the primary subject matter expert on complex credit decisions
Ensure all credit policies, underwriting guidelines, and procedures are robust, current, and compliant with regulatory standards
Provide regular reporting on portfolio quality, concentration risks, and emerging threats to the Executive Leadership Team
Collaborate in the development processes to maximize recoveries, minimize losses, and support ongoing portfolio health through collaboration with Lending, Operations, Risk Analytics, Collections, Special Assets, and Legal
Oversee the underwriting departments for all lending products, ensuring consistent, high quality, and compliant decisioning
Maintain expert knowledge of, and ensure compliance with, regulations such as Ability to Repay/Qualified Mortgage (ATR/QM), Fair Lending (Reg B), Regulation 723, and FCRA
Review and approve high-level, complex credit underwriting memorandums, including commercial real estate (CRE) and C&I loans
Identify and mitigate risks associated with lending products, including fraud, collateral, and concentration risks
Monitor and report on Key Indicators (KIs); such as auto decisioning, approval and booking rates, across the Consumer, Mortgage and Commercial portfolios
Collaborate with Lending, Operations, Risk Analytics, Collections, and Special Asset teams to strengthen underwriting standards, streamline workflow processes, enhance speed-to-decision, and improve the member experience
Lead, mentor, and develop a high-performing team of managers, senior underwriters, analysts, and credit officers
Foster a proactive risk culture focused on accountability, accuracy, and efficiency
Act as the primary point of contact for regulatory agencies on all credit underwriting matters
Lead the remediation of issues related to credit underwriting
Qualification
Required
Bachelor's degree in Finance, Accounting, Economics, or related field
Minimum of 10+ years of progressive experience in credit underwriting management within a bank or credit union
Minimum of 5+ years experience at a Director level or higher
Deep knowledge of Commercial (C&I/CRE), Mortgage, and Consumer loan product underwriting
Strong understanding of financial services rules and regulations (ATR/QM, Reg B, FCRA)
Comprehensive knowledge of valuation methodologies and appraisal standards applicable to both commercial and residential properties
Familiarity with loan origination systems (LOS), data analytics tools, and Microsoft Office Suite
Ability to anticipate market trends and emerging risks
Strong ability to interpret complex financial data and modeling
Superior verbal and written skills, with the ability to present to the Board
Sound, independent judgment in high paced environment
Benefits
Progressive benefit package
Company
GreenState Credit Union
Member-owned credit union providing financial services.
Funding
Current Stage
Late StageTotal Funding
$100M2023-02-15Debt Financing· $100M
Leadership Team
Vikram Israni
President and CEO
Jenn Bleil
Chief Administrative Officer
Recent News
2026-07-03
Corridor Business Journal
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