Partner Credit Manager II

ABOUT US

Coastal is at the forefront of modern banking, combining strong financial infrastructure with cutting-edge Banking-as-a-Service (BaaS) and fintech enablement strategies. We support not only individuals with their personal banking needs; we also empower businesses by integrating modern banking technology that drives growth, flexibility, and innovation.

At Coastal, we think and move like entrepreneurs; focused on impact, speed, and continuous improvement. We believe in working smart, collaborating deeply, and building solutions that unlock real potential. If you're someone who thrives in a fast-moving environment, loves solving complex problems, and wants to help shape the future of banking, we’d love to meet you.

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OVERVIEW

The primary responsibility of this position is to assistance and support to the Chief Credit Officer and Credit Administration within CCBX Baas (Banking as a Service) division to manage banking partners credit risks and credit policies. The role will be responsible in assisting to develop lending partner programs and relationships. This position will be the main liaison between the lending partner and CCBX Credit. The manager will maintain and monitor the BaaS partner’s lending portfolio credit KPI’s and work with the partner to reduce the risks to the bank. The role will work with cross departments to assist in developing, approving, reviewing, auditing the policies, process, and procedures regarding the partner’s lending program. This position will provide expertise and oversight in credit administration such as policies, procedures, underwriting, loan reviews, and overall loan risk as related to minimize credit risks in the portfolio and working with the partners.

HOW YOU’LL DO IT

• Provide support as needed to CCBX CCO and Credit Administration and other executives as needed

• Coordinates, manages, and maintains efficiencies and consistencies in credit approving, policies, reviewing, auditing, and analyzing of the credit products offered through the banks Strategic Lending Partners

• Assures documentation is complying within bank and CCBX policy as well as State and Federal Regulations

• Provide guidance to Strategic Lending Partners on credit structure, underwriting and specific request conditions

• Provide timely decisions on credit requests within delegated loan authority while maintaining proper due diligence

• Assist in preparing Board, management, and regulatory credit reports and analysis of the CCBX portfolio

• Coordinates, manages, and maintains consistencies in day-to-day Credit Risk Management and Credit Administration responsibilities

• Assures accuracy of credit analysis data through and internal control processes over credit data and queries of that data to ensure the correctness key performance indicators for loan metrics being reported.

• Review partner credit risks through all sources of data to ensure accuracy of analysis and make recommendations for any changes

• Coordinate and execute workload priorities and delegate tasks within deadlines

• Ability to use personal judgment and initiative to develop effective and constructive solutions to challenges and obstacles

• Manages and assists with special projects

• other duties as assigned

QUALIFICATIONS

• Proven effective verbal and written communication skills

• Excellent analytical skills and understanding of credit

• Required to handle multiple tasks at the same time

• Must have excellent attention to detail to ensure timely and effective communication

• Advance skills/experience/education in report writing, Excel, Word, PowerPoint, and databases

• Cooperative, professional attitude with strategic partners, legal counsel, and co-workers

EDUCATION & EXPERIENCE

• Bachelor's degree or equivalent in banking credit underwriting, finance, accounting, or economics

• Master’s degree or equivalent in experience/education preferred

• 7+ years' experience in Credit Administration and underwriting experience for consumer and commercial loans

• Consumer loans include credit cards, charge cards, small dollar, unsecured, auto, HELOC’s.

• Managing Credit Card portfolios is preferred

HOW YOU’LL THRIVE AT COASTAL

• Be the Best – Communicate effectively, pay close attention to detail, and prioritize your personal development.

• Be Relentless – Thrive in a goal-oriented environment exercising both patience and persistence. Advocate for our customers and team members and strive to promote the Coastal Difference.

• Be Un-Bankey – Be a forward thinker with a creative mindset. Build long-lasting relationships promoting the Coastal Difference, built on a foundation of integrity, honesty, and trust.

• Embrace Gray Thinking – Use sound judgment while decision-making and problem-solving. Think outside the box.

• Stay Flexible – Organize and strategize effectively while always being prepared to adapt on the fly. Seek efficiencies for Coastal to work smarter, not harder.

• Take Care of Each Other – Understand what it means to be a true team player and have your teammate's back.Practice self-awareness and build your emotional intelligence.

BEING YOU AT COASTAL

Coastal is an equal opportunity employer. We are committed to providing a workplace free from discrimination and harassment. All employment decisions are based on merit, qualifications, and business needs. We do not discriminate on the basis of race, color, religion, sex, national origin, age, disability, veteran status, or any other protected status under applicable laws.

BENEFITS WE OFFER

We’re proud to offer a comprehensive benefits package designed to support your health, financial well-being, and work-life balance. Our offerings include:

• Medical Coverage: Choose from three competitive medical plans to find the coverage that best fits your needs and lifestyle.

• Health Savings Account (HSA): Available with eligible medical plans, offering tax advantages and employer contributions.

• Flexible Spending Accounts (FSA): Options for healthcare and dependent care expenses to help you save on out-of-pocket costs.

• Dental and Vision Insurance: Plans to keep you and your family smiling and seeing clearly.

• Life Insurance: Company-paid basic life insurance with options to purchase additional coverage for yourself and your dependents.

• Long-Term /Short-Term Disability (LTD): Income protection in the event of a long-term illness or injury.

• Supplemental Benefits: Including Hospital Indemnity, Accident Insurance, and Critical Illness coverage to provide extra financial support when you need it most.

• 401(k) Retirement Plan: A competitive retirement savings plan with company matching to help you plan for the future.

• Paid Time Off: Generous vacation and sick leave policies to support your time away from work.

• Holidays: Enjoy 11 paid holidays throughout the year.

Check out our benefits on our careers site!!

PHYSICAL DEMANDS

The physical demands described below are required to perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee must be able to:

• Sit for extended periods of time.

• Stand for extended periods of time.

• Perform repetitive finger, hand, and arm movement.

• Use electronic office equipment such as a computer keyboard, mouse, ten key, telephone, etc.

• View and read computer screens for extended periods.

• Occasionally stoop, kneel, crouch, or crawl.

• Occasionally lift or move up to 10 pounds.

OTHER DUTIES

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.