• Develop and execute the organization’s enterprise-wide credit risk management strategy.
• Establish and maintain the overall credit philosophy, risk appetite, underwriting standards, and portfolio management framework.
• Lead the ongoing development and enhancement of credit policies, risk scoring models, underwriting guidelines, and approval authorities.
• Ensure enterprise credit risk practices align with AOF’s strategic objectives, mission, and regulatory requirements.
• Serve as the primary advisor to Executive Management and the Board on credit risk matters.
• Support and participate in the Credit Risk Committee and present regular portfolio performance and risk assessments to executive leadership and the Board of Directors.

• Develop, maintain, and periodically update enterprise credit, underwriting, fraud, and portfolio management policies.
• Ensure underwriting processes appropriately balance predictive analytics, automated decisioning, alternative data sources, and experienced credit judgment.
• Continuously improve credit decision quality while enhancing the customer experience and reducing turnaround times.
• Establish governance surrounding policy exceptions, approval authorities, and credit quality standards.
• Ensure consistent underwriting standards across all lending products.

• Oversee portfolio monitoring, concentration management, delinquency trends, loss performance, and overall asset quality.
• Develop and monitor key portfolio risk indicators and early warning systems.
• Conduct portfolio stress testing and scenario analysis to evaluate potential economic impacts.
• Recommend concentration limits, portfolio diversification strategies, and risk mitigation initiatives.
• Develop reporting that provides timely, accurate portfolio performance information to executive management, regulators, and the Board.

Credit Analytics & Risk Modeling:

• Oversee the development, validation, implementation, and ongoing monitoring of credit scoring models, predictive analytics, underwriting algorithms, and portfolio management tools.
• Evaluate emerging technologies, alternative data providers, artificial intelligence applications, and machine learning solutions that enhance credit decisioning.
• Ensure all models remain statistically sound, compliant, and appropriately governed.
• Lead continuous improvement of portfolio analytics to improve loan performance and profitability.

• Oversee the Allowance for Credit Losses (CECL) methodology, assumptions, governance, and reporting.
• Ensure reserve adequacy through sound portfolio analysis and regulatory compliance.
• Monitor charge-off practices, recoveries, and loan loss trends.
• Collaborate with Finance to ensure accurate financial reporting related to credit risk.

• Develop enterprise fraud prevention strategies supporting both lending and future Credit Union deposit products.
• Oversee identity verification, application fraud prevention, deposit fraud monitoring, and financial crimes controls.
• Partner with Compliance to ensure adherence to BSA/AML, OFAC, Customer Identification Program (CIP), Know Your Customer (KYC), and other regulatory requirements.

• Ensure compliance with all applicable federal and state lending regulations, including Fair Lending requirements and consumer protection laws.
• Lead all credit-related regulatory examinations and internal and external audits.
• Maintain effective internal controls supporting credit operations and portfolio management.
• Monitor regulatory developments and recommend policy changes as appropriate.

• Partner with Operations to monitor loan servicing performance, collections, delinquency management, and recovery strategies.
• Ensure portfolio servicing practices remain consistent with organizational objectives and regulatory expectations.
• Support process improvement initiatives throughout the credit lifecycle. 

• Coordinate comprehensive due diligence of sellers, servicers, and loan assets and/or loan participations prior to purchase to protect AOF and diversify credit and collateral risks in the overall portfolio.
• Evaluate third-party relationships to ensure they meet AOF’s risk, compliance, and operational standards.
• Support strategic partnerships that strengthen AOF’s lending capabilities while protecting portfolio quality.

• Recruit, mentor, coach, and develop a high-performing Credit Risk organization.
• Foster a culture of accountability, collaboration, innovation, and continuous improvement.
• Establish performance expectations, succession planning, and professional development initiatives for all direct reports.
• Promote cross-functional collaboration among Credit, Sales, Operations, Compliance, Finance, Product and Engineering teams. 

• BS or BA degree in Statistics, Engineering, Mathematics, Finance, Economics, Business Administration, or another quantitative discipline. 
• Minimum of 10 years of progressive commercial and consumer credit risk management practice
• Minimum of ten years leading enterprise credit risk, underwriting or portfolio management functions. 
• Extensive experience managing commercial lending portfolios and developing enterprise credit policies. 
• Strong knowledge of financial statement analysis, commercial underwriting, portfolio management, and credit administration.
• Demonstrated experience with CECL methodology, allowance calculations and credit loss forecasting
• Deep understanding of credit risk analytics, predictive modeling, automated underwriting systems, and portfolio monitoring.
• Knowledge of applicable federal and state lending regulations, including Fair Lending, BSA/AML, OFAC, KYC, and related compliance requirements.
• Proven ability to present effectively to executive leadership, regulators, and Boards of Directors.
• Outstanding written, verbal, analytical, organizational, and leadership skills.

• Master’s degree (MBA, Finance, Economics, Statistics or related disciplines)
• Experience within a financial institution, credit union or commercial bank.
• Experience with SBA lending programs
• Experience implementing automated underwriting platforms and enterprise credit risk systems
• Experience leading fraud prevention and financial crimes programs
• Fully knowledgeable and proficient with Microsoft Suite, data visualization and analytics tools such as Power BI, Tableau, SQL, Python, SAS, or similar technologies

• Strategic vision and enterprise thinking.
• Exceptional analytical and quantitative skills.
• Strong business judgment and decision-making abilities.
• Executive presence and communication skills.
• Ability to influence across multiple business functions.
• Commitment to continuous improvement and innovation.
• High ethical standards and professional integrity.
• Collaborative leadership style with a passion for developing people and the mission of AOF. 

• Competitive salary commensurate with experience.
• Flexible remote work environment and monthly remote work reimbursement (phone and internet).
• 100% employer-paid medical, dental, vision, life, and disability insurance for employees (based on plan selection).
• 90% employer-paid dependent medical coverage (based on plan selection).
• Flexible Spending Accounts (FSA).
• Supplemental Life and AD&D insurance.
• Legal assistance plans.
• 403(b) retirement plan with employer matching contributions.
• Unlimited paid vacation.
• Twelve paid holidays plus one floating holiday.
• Ten paid sick days.
• Paid parental leave.
• Professional development opportunities.