Consumer Banking Group Credit Risk Portfolio Manager

Regions Bank•Birmingham, AL

About The Position

At Regions, the Consumer Business Unit Credit Risk Portfolio Manager develops strategic and tactical recommendations that enhance Consumer Lending's ability to increase profitability, while managing overall portfolio credit and financial risk. This position identifies, measures, mitigates, monitors, and reports on consumer loan portfolios (e.g., mortgage, home equity, consumer, indirect-vehicles, indirect-other) from the first line perspective. This position requires the ability to analyze, communicate, and support the implementation of strategic solutions that focus on the best interest of customers, shareholders, and communities served.

Requirements

Bachelor's degree in Finance, Economics, Business, or related field
Eight (8) years of credit risk, portfolio management, or financial analysis experience
Broad knowledge of the product lifecycle: origination strategy, performance management, and collections
Experience coordinating cross-functional workstreams or project management experience

Nice To Haves

Master’s Degree or Professional Certification (e.g., Chartered Financial Analyst (CFA), Financial Risk Manager (FRM))
Five (5) years of experience working directly with credit risk in consumer products
Experience with data visualization tools (i.e., Power BI, Tableau)
Basic understanding of quantitative measures of credit performance (e.g., PD/LGD/EL/EC, LEE)
5+ years of mortgage credit risk or real‑estate lending experience
Proven analytical skill set with ability to interpret large datasets and drive insights
Demonstrated ability to identify and mitigate operational risk within mortgage processes
Strong command of mortgage credit guidelines, QC/QA practices, and regulatory requirements (i.e., ATR/QM, TRID, ECOA, UDAAP, etc.)
Proficiency in Excel; working knowledge of SQL/SAS/Python/Power BI preferred
Strong communication skills for risk reporting and cross‑functional collaboration

Responsibilities

Evaluates, organizes, and interprets data and information to formulate opinions to report to senior/executive management
Recommends strategies to improve loan performance and report key risks and emerging trends through identification of proactive risk mitigation and origination strategies and collaborates with Financial Risk on strategies to mitigate risk through either the Risk Appetite Framework, Concentration Framework, or through changes in Credit Policy
Develops action plans to address potential risks and breaches including the Risk Appetite and Concentration Frameworks
Researches and reports on key credit and emerging risks and develops action plans to address issues
Serves and acts as the business group's credit subject matter expert for regulatory, product, procedure, and corporate policy initiatives
Serves as the business group’s Credit and Financial risk liaison and provides input into the determination of risk metrics, concentration limits, credit policy, and key risk assumptions
Collaborates with Financial Risk on both the design and overlay process across stress testing models within Consumer and Small Business portfolios
Provides business representation and lead discussion on key committees, working groups, and other forums; lead cross-functional working groups as needed
Assists in driving a continuous improvement approach to making appropriate recommendations for change, to gain efficiencies and ensure the effectiveness, consistency, and relevance of risk processes
Is an active participant in business reviews and other forums to highlight areas of emerging risk and overall Credit trends
Coordinates with the fraud and credit teams to ensure effective strategies are in place to mitigate first party fraud across lending and deposit products, and provides trends to product managers
Builds comprehensive datasets from various source and reporting systems for the use in in-depth portfolio analysis and performance monitoring
Assists with the training and development of less experienced members of the team