Additional Information
Position Title
Capital Planning Risk Manager
Location
Nationwide, MI 48098
Job Summary
The Capital Planning Risk Manager leads enterprise-wide capital planning initiatives to ensure the Bank's capital strategy, policies, and contingency plans align with regulatory expectations and the Bank's risk appetite and business objectives. This role spearheads recovery and resolution planning efforts and maintains up-to-date capital management documentation (e.g. Capital Policy, Capital Contingency Plan). It monitors capital levels against targets and regulatory requirements, evaluates how material risks impact capital adequacy, and proposes actions to optimize capital buffers. The position also provides forward-looking analysis and reports to senior management on capital trends, ensuring any emerging issues are identified and addressed proactively.
Job Responsibilities:
JOB RESPONSIBILITIES
Lead Capital Policy & Strategic Initiatives: Drive key capital-related projects, including the Bank's recovery and resolution planning. Ensure capital strategies and policies remain aligned with management decisions, regulatory guidelines, and the enterprise risk appetite and limits. Collaborate with Enterprise Risk Management on risk governance to integrate capital planning with the Bank's overall risk framework.
Governance & Documentation: Oversee capital plan governance processes and keep capital planning documentation current. Regularly update the Capital Policy, Capital Contingency Plan, committee charters, and related materials to reflect evolving regulatory expectations and internal strategy changes. Ensure the capital plan and policy include appropriate capital goals, targets, and contingency triggers commensurate with the Bank's risk profile and Board directives.
Capital Monitoring & Risk Assessment: Continuously monitor the Bank's capital metrics (capital ratios, risk-weighted assets, etc.) against internal targets and regulatory thresholds. Evaluate how changes in the risk landscape ( e.g. economic conditions, portfolio risks) could affect capital adequacy, incorporating stress test results into capital forecasts. Watch for trigger events under the Capital Contingency Plan and be prepared to escalate issues as appropriate . Ensure that material risks identified through the risk identification process are factored into capital planning process es.
Recommendations & Reporting: Provide actionable recommendations to senior management on managing capital. Propose capital actions (such as dividend adjustments or capital raises) based on analysis to maintain adequate buffers. Prepare clear, concise reports and presentations on capital adequacy for the Capital Management Committee, senior executives, and the Board, including quarterly capital updates highlighting trends, risks, and projections. Conduct ad-hoc quantitative analyses ( e.g. peer bank comparisons, scenario analyses) to support proactive capital management and strategic decision-making.
Responsible for t alent m anagement functions including: employment, performance evaluations , staff develop ment/training, disciplinary actions , succession planning and ensuring all staff comply with compliance requirements.
ADDITIONAL ACCOUNTABILITIES
Performs special projects, and additional duties and responsibilities as required .
C onsistently adhere s to regulatory and compliance policies and standards linked to the job as listed and complete required compliance trainings . Accountable to maintain compliance with applicable federal, state and local laws a n d regulations.
JOB REQUIREMENTS
Required Qualifications :
Education level required : Undergraduate Degree (4 years or equivalent) in Finance, Economics, Accounting, Business Administration or related field3 (or equivalent experience in financial risk management).
Minimum experience required : 8+ Years in bank capital planning, stress testing, or financial risk management roles. Proven expertise in evaluating capital adequacy and managing regulatory capital processes. H ands-on analytical experience ( e.g. stress testing or financial modeling).
Technical Skills: Deep knowledge of regulatory capital requirements ( e.g. Basel III standards) and capital planning regulations. Proficiency in financial analysis and modeling tools .
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