Credit Risk Management Jobs in Minnesota (NOW HIRING)

Ent Credit Union and Wings Credit Union joined forces in January 2026. This merger means more opportunities, expanded resources, and a shared commitment to delivering exceptional member service. Together, we become more - empowering members, communities, and teams through a bold, unified future. Both organizations bring a strong legacy of member satisfaction, operational excellence, financial stability, and community impact. Recognized locally and nationally as best-in-class financial institutions and employers of choice, each is known for its commitment to financial well-being and philanthropic leadership. Join us during this transformative time and be part of shaping the future of banking! To learn more about the merger, click here.

As Wings enters a new chapter following its 2026 merger with Ent Credit Union, the Director of Credit Risk will lead a strengthened and realigned second-line credit risk function.

This role has been relaunched to reflect the expanded leadership expectations and the strategic needs of a $20B+ organization. The Director will have ownership of the second line oversight function for lending portfolios and for elevating the consistency, quality and strategic value of credit risk review across the organization. The position requires a leader who can influence at all levels, bring clarity to complex credit decisions and help shape the future of Wings' credit risk strategy.
Essential Functions

• Credit Risk Oversight and Portfolio Review:
  • Perform comprehensive evaluations of the credit union's credit exposures, assess the quality of credit analysis and approval processes, verify the precision of credit ratings, and ensure compliance with established credit risk policies, standards, procedures, and overall risk appetite.
  • Conduct independent reviews across all lending portfolios to assess credit quality and enforce adherence to relevant risk policies and procedures.
  • Facilitate early identification of credit-related issues, exceptions, and industry or geographic risk factors to support timely detection of portfolio deterioration.
• Risk Governance, Strategy, and Regulatory Awareness:
  • Contribute to the design and improvement of credit risk review strategies.
  • Remain up to date regarding federal and state regulations impacting the lending function and the credit union's portfolio.
• Stakeholder Engagement and Communication:
  • Manage and coordinate relationships with senior management stakeholders across all departments, presenting review findings clearly and confidently.
  • Lead or participate in opening and closing meetings, communicating identified matters to leadership and relevant business units under review.
  • Present well-supported recommendations concerning processes, procedures, and credit risk to senior management, effectively challenging internal risk ratings when necessary.
• Training, Coaching, and Advisory Support:
  • Provide training and coaching to less experienced colleagues and offer advice to teams across all lines of defense as appropriate.
  • Mentor and train less experienced colleagues, guiding teams where appropriate.
• Staff Management and Development:
  • Guide the daily activities of staff. 
  • Support skills augmentation as appropriate to support Ent initiatives.
  • Mentoring/coaching of direct reports.
  • Establish team and individual goals and pursue opportunities for personal development.
  • Perform quarterly and annual performance assessments. 
• Bank Secrecy Act: Remains cognizant of and adheres to Wings policies and procedures, and regulations pertaining to the Bank Secrecy Act.

• Bachelor's Degree in accounting, finance or related field.
• Master's (MBA, Master of Finance) or relevant certification preferred.
• 9+ years' experience in credit administration and/or credit risk management analytics at a financial institution or regulatory agency. 
• 3+ years' of team leadership or management experience. 
• Proven credit risk expertise in consumer, mortgage or commercial lending at financial institutions, and in depth understanding of lending credit products.
• Experience in data analytics. Programming and data manipulation with SQL, Python, and R are a benefit.
• Confident negotiator with excellent oral and written communication abilities.
• Proven ability to collaborate at a senior level with internal and external stakeholders.
• Knowledge of risk governance frameworks, second-line enterprise risk management, and internal controls.
• Exceptional analytical and problem-solving skills; able to identify issues, ask insightful questions, and escalate appropriately.
• Able to clearly explain complex quantitative and model concepts to both technical and non-technical audiences.
• Excellent organizational skills, capable of managing multiple deadlines.
• Bondable.

The pay range for this position is: $180,000 to $200,000 per year plus 20% annual target bonus.
 

Final compensation for this position will be determined by various factors such as relevant work experience, specific skills and competencies, education, certifications, location and internal pay equity.
BENEFITS:

• Generous 401(k) match
• 401k Discretionary Profit Sharing
• Health Insurance
• Dental Insurance
• Vision Insurance
• Life Insurance
• Short Term and Long Term Disability
• Health Savings Account with company contribution
• Employee Assistance Program
• Paid Vacation, Sick, Floating Holidays and Volunteer Time Off
• Paid Holidays
• Tuition Reimbursement
• Paid Parental Leave