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Tim Bates

Tim Bates is VP of Credit Risk Management and Chief Credit Officer for BECU, a $14 billion credit union based in Seattle, Washington.� In this role, he leads BECU’s Credit Risk Management program, overseeing the organization’s risk analytics, reporting, policy, governance, and credit administration activities. �Tim assumed this role in May 2015, after serving for two years as BECU’s VP of Enterprise Risk Management and Chief Risk Officer.Tim is a twenty-five year veteran of credit risk management in the financial services industry.� Prior to joining BECU, Tim was a Senior Vice President of Credit Risk Management at Washington Mutual, where he managed a number of analytic and operational teams in credit and fraud risk management. In this role, he led credit functions that included Credit Risk Oversight, Mortgage Fraud and Risk Mitigation, Credit Information Systems, and Corporate Risk Analytics.�� He has also led analytics and consulting teams at Equifax, Experian, and Austin Logistics, engaging in the design of risk management solutions for leading domestic and international financial services companies.�Tim has a Bachelor of Arts in Economics from the University of Alabama, and a Master of Business Administration in Finance from the University of South Carolina.