Hybrid Structured Credit Manager, FA&O

at DLL

• Job title: Structured Credit Manager, FA&O
• Job type: Full Time
• Experience level: Senior, Lead
• Salary: $128,022 - $192,032 per year
• Degree requirement: Bachelor's Degree
• Location requirements: Hybrid, Des Moines, United States

About the role

• Manage risk and credit underwriting processes for Food, Agriculture, and Outdoor sectors at DLL. Oversee a credit team and ensure compliance with risk policies within a fast-paced environment.

Responsibilities

• Manage Structured credit processes and members for Food, Agriculture and Outdoor (FA&O) Business.
• Responsible for all aspects of credit underwriting, ongoing risk management methodology, and compliance requirements for the FA&O portfolios in the US and managing risks in line with DLL risk appetite for the Business Units.
• Maintain adherence to credit policy, procedure, guidelines and culture. Implement credit and risk policies, processes, systems, methods, procedures, mandates and tools in order to achieve the credit and risk management objectives.
• Ensure adequate underwriting turnaround within BU requirements and manage appropriate expectations of the application process
• Provide expertise and oversight toward appropriate risk appetite and loan structuring.
• Present BU transactions to and participate in the Regional Credit Committee on an as needed basis.
• Manage overall quality of underwriting and applications in small, mid ticket, and large ticket retail business.
• Ensure all credit and risk periodic and adhoc reporting is completed accurately and timely, in order to provide management information as a basis for decision making and fine tuning on credit and risk issues.
• Support Loan Review and audit process by providing feedback and mitigation of any findings.
• Manage a credit team in a very fast-paced environment and oversee training and education. Ensure communication information, support and training and align all parties on credit and risk management policies, processes and issues in order to achieve and cultivate a sound risk organization and risk culture.
• Manage member credit authorities and support member development
• Manage all credit workflow, including new business credit assessments, annual reviews, and appeals processes and recommend and support continuous process improvement.
• Contribute to the formulation of the strategy and business plan of the Business Units, deliver input for global risk strategy and appetite and derive a plan for the department. Provide direction to the department as a basis for realizing the defined objectives in an effective and efficient manner.
• Develop vision for innovation and process improvements in the risk organization including system enhancements and automated credit decisioning. Liaise with IT and other DLL departments to implement these.
• Contribute to the development, implementation, maintenance and oversight of credit scorecards. Ensure that the scorecard and decisions trees are optimized for the risk-reward strategy of the respective BUs.

Requirements

• Bachelor degree or equivalent working experience. MBA a plus.
• Must have at least 10-15 years of relevant experience in the financial industry and in credit and risk management roles.
• Must have proven track record of modeling the behaviors and competencies within the DLL True Leader profile (lead, learn, partner and perform)
• Must have expert knowledge of credit, business management processes, risk management and risk policy. Experience across diverse industry verticals preferred
• Must have proven and hands on expertise in managing large/complex projects and credit profiles
• Must be an expert in operational risk and all customer facing risk areas
• Must have excellent analytical and reporting skills
• Must be a proven team player with performance track record in matrix and/or network organizations
• Experience with scorecard development / implementation / oversight preferred
• Experience in equipment leasing and underwriting agriculture, golf, food, consumer assets a plus.

Benefits

• Two working days per year volunteering for a local charity.
• Health and Wellness program including healthy food, free health checks, fun health & vitality activities.
• Flexible hours with possibility to work from home
• Career development opportunities: online learning, member development programs.