Susser Bank
AVP Credit Administration and Data Strategy
Susser Bank is seeking an experienced AVP for Credit Administration and Data Strategy to lead the bank's credit analytics function, ensuring robust data‑driven insights, regulatory compliance, and effective risk management. The role will own the development and execution of credit performance reporting, CECL modeling, and analytics frameworks while serving as a key interface with the Board, regulators, and auditors. The ideal candidate is a strategic thinker with deep expertise in credit risk analytics, data management, and process optimization in a banking environment.
Principal Duties and Responsibilities
Credit Analytics Reporting: Own the design, build, and automation of reports and dashboards providing meaningful insights into credit performance. Utilize tools such as SQL, Python, Tableau, or Power BI to deliver analytics on vintage performance, migration analysis, stress testing, and predictive modeling.
Data Integrations and Integrity Management: Oversee the integration of credit data from multiple sources (e.g., core banking systems, loan origination platforms, external vendors). Maintain data quality standards, implement validation processes, and resolve discrepancies to ensure accuracy and reliability for analytics and reporting.
CECL Modeling Management: Lead the validation and ongoing maintenance of Current Expected Credit Loss (CECL) model. Collaborate with the accounting and risk teams to incorporate macroeconomic forecasts, historical loss data, and portfolio segmentation for compliant and predictive allowance calculations.
Board Reporting: Prepare comprehensive credit performance reports for the Board of Directors, including key metrics on portfolio health, trends, delinquencies, losses, and risk concentrations. Ensure reports are clear, actionable, and aligned with strategic objectives.
Regulatory and Audit Interface: Serve as an integral point of contact and resource for credit-related regulatory exams (e.g., FDIC, Texas Department of Banking) and internal/external audits. Prepare documentation, respond to inquiries, and implement remedial actions to maintain strong compliance and audit outcomes.
Credit Process Buildouts and Oversight: Design, implement, and oversee credit underwriting, monitoring, and collection processes. Identify opportunities for efficiency gains, automation, and risk mitigation while ensuring alignment with bank policies and regulatory requirements.
Additional Duties
Collaborate with cross‑functional teams (e.g., IT, Finance, Accounting, Lending) to enhance data infrastructure and analytic capabilities.
Stay abreast of industry trends, regulatory changes (e.g., CECL updates, etc.), and best practices in credit risk management.
Mentor junior analysts and contribute to the bank's overall risk culture.
Qualifications
Education: Bachelor's degree in Finance, Accounting, Statistics, Data Science, or a related field; Master's degree or professional certifications (e.g., CFA, FRM, CPA) preferred.
Experience: Minimum 5+ years in credit risk management, analytics, or modeling within a commercial bank or financial institution; exposure to CECL implementation preferred.
Technical Skills: Proficiency in data analysis tools (SQL, Python/R, Excel/VBA); experience with BI tools (Tableau, Power BI); knowledge of database management and ETL processes.
Soft Skills: Strong communication and presentation skills for Board‑level interactions; analytical mindset with attention to detail; ability to manage multiple priorities in a fast‑paced environment.
Regulatory Knowledge: Familiarity with banking regulations (e.g., CECL/ASC 326, ALLL, FDIC guidelines) and audit processes.
Susser Bank is an equal opportunity employer. Qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, or national origin. Susser Bank participates in E‑Verify.
Seniority Level Executive
Employment Type Full‑time
Job Function Finance and Sales
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Principal Duties and Responsibilities
Credit Analytics Reporting: Own the design, build, and automation of reports and dashboards providing meaningful insights into credit performance. Utilize tools such as SQL, Python, Tableau, or Power BI to deliver analytics on vintage performance, migration analysis, stress testing, and predictive modeling.
Data Integrations and Integrity Management: Oversee the integration of credit data from multiple sources (e.g., core banking systems, loan origination platforms, external vendors). Maintain data quality standards, implement validation processes, and resolve discrepancies to ensure accuracy and reliability for analytics and reporting.
CECL Modeling Management: Lead the validation and ongoing maintenance of Current Expected Credit Loss (CECL) model. Collaborate with the accounting and risk teams to incorporate macroeconomic forecasts, historical loss data, and portfolio segmentation for compliant and predictive allowance calculations.
Board Reporting: Prepare comprehensive credit performance reports for the Board of Directors, including key metrics on portfolio health, trends, delinquencies, losses, and risk concentrations. Ensure reports are clear, actionable, and aligned with strategic objectives.
Regulatory and Audit Interface: Serve as an integral point of contact and resource for credit-related regulatory exams (e.g., FDIC, Texas Department of Banking) and internal/external audits. Prepare documentation, respond to inquiries, and implement remedial actions to maintain strong compliance and audit outcomes.
Credit Process Buildouts and Oversight: Design, implement, and oversee credit underwriting, monitoring, and collection processes. Identify opportunities for efficiency gains, automation, and risk mitigation while ensuring alignment with bank policies and regulatory requirements.
Additional Duties
Collaborate with cross‑functional teams (e.g., IT, Finance, Accounting, Lending) to enhance data infrastructure and analytic capabilities.
Stay abreast of industry trends, regulatory changes (e.g., CECL updates, etc.), and best practices in credit risk management.
Mentor junior analysts and contribute to the bank's overall risk culture.
Qualifications
Education: Bachelor's degree in Finance, Accounting, Statistics, Data Science, or a related field; Master's degree or professional certifications (e.g., CFA, FRM, CPA) preferred.
Experience: Minimum 5+ years in credit risk management, analytics, or modeling within a commercial bank or financial institution; exposure to CECL implementation preferred.
Technical Skills: Proficiency in data analysis tools (SQL, Python/R, Excel/VBA); experience with BI tools (Tableau, Power BI); knowledge of database management and ETL processes.
Soft Skills: Strong communication and presentation skills for Board‑level interactions; analytical mindset with attention to detail; ability to manage multiple priorities in a fast‑paced environment.
Regulatory Knowledge: Familiarity with banking regulations (e.g., CECL/ASC 326, ALLL, FDIC guidelines) and audit processes.
Susser Bank is an equal opportunity employer. Qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, or national origin. Susser Bank participates in E‑Verify.
Seniority Level Executive
Employment Type Full‑time
Job Function Finance and Sales
#J-18808-Ljbffr