Responsible for the review of the organization’s loan portfolio on a continuing basis in order to evaluate and anticipate risk, risk conditions, and risk tolerance.
Review and recommend lending policy and guidelines that balance the lending and growth goals of the organization with appropriate risk tolerance, considering the current and forecasted economic, regulatory, and consumer environment.
Assure documentation for loans is in compliance with TDECU policies and guidelines, state and/or federal regulations while maintaining a focus on Member service and convenience.
Oversee the managerial duties for loan review, compliance and other lending operation functions.
Implement a system of portfolio analysis and quality assurance as required to meet regulatory and TDECU requirements, assurance of credit and collateral documentation, loan policy conformance, and maintain reports of exceptions.
Assists with internal controls, as well as encouraging self-reporting.
Manages the legal and compliance department, ensuring internal attorneys and compliance officers provide legal review, analysis, advice, and recommendations to management and staff regarding legal issues, pertaining to general credit union business, collections, security, bankruptcy, foreclosures, and related matters, which impact the Credit Union and its subsidiaries.
Support an internal audit function that provide assurance on the effectiveness of risk management and the strength of the control environment in an organization.
Develop and assess the TDECU business aligned legal and risk management strategy to ensure proper execution with an operational implementation plan.
Develop and maintain a positive, respectful working relationship with the Audit Committee, regulatory agencies and the Board of Directors.
Build and establish a cohesive risk data governance model that assesses risk across business, technology and compliance landscapes. Educates and advocates a culture of informed risk taking and utilization of advanced risk management strategies via training programs and coaching.
Protect and champion the ethical integrity of the organization internally and externally.
Identify current and future talent needs and partners with Talent Services to ensure workforce readiness to support and enhance internal and external systems. Provides consistent performance management process with regular feedback and coaching regarding individual and team performance.
Develop and oversee a comprehensive framework for assessing, managing and mitigating risk to inform growth oriented business decisions.
Responsible for leading due diligence for potential mergers and acquisitions. Assists with comparative analysis particularly to avoid any conflicts of interest.
Partners with the SVP Chief Information Officer and Director of Security and Investigations regarding cybersecurity risks, data privacy risks and third party risk to identify potential areas of vulnerability.
Responsible for business continuity planning and resiliency strategy exercises. Coordinates table top scenarios to identify areas of concern.
Plays the lead role in major contract negotiations from appropriate contract vehicle to key terms and conditions. Ensures contract negotiations process and management is in place.
Insures adequate indemnification program and insurance policies based upon current and future growth opportunities. Manage the design and implementation of compliance activities across the organization.
Recommend process improvements and implement policies and procedures, which increase efficiency and provide a greater return on Credit Union assets. Continuously strive for quality improvement of processes and service.
Maintain an understanding of the applicable laws and court rulings regarding Credit Union matters in general, as well as collection-related matters including, but not limited to, bankruptcy and foreclosure.
Maintain a thorough understanding of the by-laws, policies and procedures of the Credit Union and its subsidiaries. Further, remain abreast of regulatory requirements and advise management in a timely manner on needed governance and/or operational changes.
Manage an annual budget for maximum return and lead the following teams: audit, security, risk management, legal and collections to align to the needs of the Credit Union today and tomorrow with proper workforce planning.
