VP, Head of Credit Risk Portfolio ManagementRaymond James Financial, Inc.

Essential Duties and Responsibilities:

• Develop and maintain an enterprise-wide view of the firm's aggregate credit risk profile across multiple lending portfolios and business lines.

• Monitor portfolio performance, concentrations, migration trends, and emerging risks to identify potential vulnerabilities.

• Conduct portfolio analytics, stress testing, scenario analysis, and concentration assessments to evaluate portfolio health and risk exposure.

• Assess risk-adjusted performance across business units and legal entities.

• Provide independent review and challenge of portfolio strategies, underwriting trends, and growth initiatives.

• Partner with executive leadership, business leaders, and governance committees to provide meaningful risk insights and recommendations.

• Translate complex analytical findings into clear and concise presentations for senior management and risk committees.

• Advise stakeholders on emerging credit, economic, industry, and regulatory risks that may impact portfolio performance.

• Develop and enhance portfolio reporting, dashboards, and data visualization tools to improve risk transparency and decision-making.

• Leverage automation, advanced analytics, artificial intelligence, and data-driven solutions to improve risk monitoring and reporting capabilities.

• Collaborate with technology, data, and business partners to strengthen analytical capabilities and modernize risk management processes.

• Research industry trends, emerging risks, and leading portfolio management practices to support continuous improvement within the Enterprise Credit Risk function.

• Benchmark portfolio performance and risk oversight practices against industry standards and best practices.

• Perform other duties and responsibilities as assigned.

Knowledge of:

• Credit risk management principles and practices.

• Portfolio risk management, concentration risk, and stress testing methodologies.

• Credit risk governance frameworks and risk appetite principles.

• Commercial banking, leveraged lending, private banking, wealth management lending, and residential mortgage products.

• Economic, industry, and regulatory factors impacting credit risk.

• Data analytics, visualization, and reporting tools.

• Artificial intelligence, automation technologies, and emerging analytical techniques applicable to risk management.

Skills In:

• Portfolio risk analysis and interpretation of complex credit data.

• Developing and presenting executive-level reporting and insights.

• Risk identification, assessment, and mitigation.

• Data visualization and dashboard development utilizing tools such as Power BI or Tableau.

• Quantitative and analytical problem-solving.

• Building strong partnerships and influencing stakeholders across all levels of the organization.

• Managing multiple priorities in a fast-paced environment.

• Written and verbal communication, including presenting complex information to senior leaders and committees.

Ability To:

• Provide independent and objective challenge while maintaining strong business partnerships.

• Evaluate large, complex credit portfolios and identify emerging risks and trends.

• Translate technical and analytical information into actionable business insights.

• Influence decision-making through sound judgment and data-driven recommendations.

• Adapt to changing business needs, regulatory requirements, and market conditions.

• Leverage technology and innovative analytical approaches to improve risk management outcomes.

• Exercise discretion and sound judgment when handling sensitive and confidential information.

• Work effectively both independently and collaboratively within a matrixed organization.

Education and Experience Required:

• Bachelor's degree in Finance, Accounting, Economics, Business Administration, Statistics, Mathematics, Risk Management, or a related field required.

• Master's degree in a related discipline preferred.

• Minimum of 10 years of progressively responsible experience in credit risk management, portfolio management, commercial banking, institutional lending, risk analytics, or a related field.

• Significant experience managing or analyzing complex credit portfolios, including Commercial & Industrial (C&I), Commercial Real Estate (CRE), leveraged lending, private banking, and residential mortgage portfolios.

• Experience presenting risk-related recommendations and findings to executive leadership, committees, or boards.

• Demonstrated experience utilizing data analytics and technology solutions to support portfolio risk management and reporting.

Licenses/Certifications

• ACAMS NOT REQUIRED