Credit Risk Review Officer

Overview

This role involves safeguarding the strength, integrity, and long-term performance of the loan portfolio through independent Credit Risk Review. Serving as a subject matter expert within the Credit Risk Review function, you will independently assess the bank’s most complex Specialty Lending relationships, provide credible challenge to credit and underwriting practices, and help ensure lending practices align with regulatory expectations, internal policies, and sound credit risk management standards.

Responsibilities

• Lead reviews of the bank’s most complex, higher-risk, or specialized lending relationships, including development of independent conclusions on:
  • Risk ratings
  • Underwriting quality
  • Policy compliance
  • Portfolio management practices
• Support monitoring of portfolio performance to identify trends, emerging risks, and areas of concern, including evaluation of trends such as:
  • Delinquency
  • Bankruptcy
  • Collateral sufficiency
  • Industry concentrations
• Contribute to the evolution of credit risk review methodologies, coverage strategies, reporting frameworks, and risk assessment practices
• Perform individual file and relationship reviews under the established risk-based loan review program
• Validate the accuracy and consistency of loan risk grade assignments at the file or relationship level in alignment with established policies and regulatory guidelines
• Serve as a subject matter expert for assigned commercial products, including thorough understanding of related product aspects, policies, underwriting guidelines, and portfolio management guidelines
• Ensure the quality, completeness, and accuracy of supporting credit risk review documentation and analysis performed personally or by direct reports (as applicable)
• Participate in findings discussions with credit risk and first-line leadership and monitor progress of corrective actions
• Provide independent, objective challenge to lending, underwriting, and portfolio management practices while maintaining effective working relationships with business and credit partners
• Support regulatory examinations, internal audits, and governance reporting activities by preparing analyses, documentation, and response materials
• Deliver timely, actionable reports to the Managing Director, Credit Risk Review as required
• Maintain expertise in commercial and government-guaranteed lending programs (e.g., SBA, USDA)
• Manage, coach, and develop Credit Risk Review Associates and Senior Associates as applicable, providing quality oversight, technical guidance, professional mentorship, and promoting independence, professionalism, and continuous improvement
• Serve as a thought partner to first-line partners for assigned commercial products to enhance credit policy, risk appetite, and portfolio management strategies
• Maintain strong awareness of applicable regulatory requirements including BSA, AML, CIP, and OFAC

Requirements

• 10+ years of progressive experience in credit risk review, special assets, internal audit, or commercial credit within a regulated financial institution, with a focus on credit-related risk
• Extensive knowledge of complex, highly structured commercial lending structures, underwriting standards, credit risk frameworks, and portfolio management practices across bilateral and syndicated commercial loan products, with expertise in:
  • Sponsor Finance
  • Lender Finance
  • Subscription Finance
  • Asset Based Lending
  • Venture
• Ability to provide a fulsome review and opinion on credit risk and mitigated loan quality of large, structurally complex transactions
• Strong understanding of regulatory expectations related to credit risk management, independent loan review, and safety-and-soundness standards
• Demonstrated ability to implement review methodologies, drive process improvements, and contribute to executive-level reporting
• Strong analytical, communication, and relationship-building skills

Preferred Qualifications

• University or College degree majoring in a related discipline (e.g., Business or Finance)
• Formal credit risk training or professional certification
• Familiarity with risk analytics, credit metrics, portfolio analysis, and credit MIS tools
• Background in high-growth or digitally focused banking environments
• Proven ability to mentor and lead high-performing risk or credit teams

Compensation & Benefits

• Base pay range: $128,500.00 - $179,900.00 per year
• Compensation may also include annual bonuses and long-term incentives, subject to various metrics and company policy
• Salary determined by factors including travel, relevant work experience, and skills/expertise
• Paid sick leave provided at least at the minimum requirement for employees who reside in states that require employer-paid sick leave, including but not limited to Arizona, California, Colorado, District of Columbia, Maine, Maryland, Massachusetts, Michigan, Nevada, New Jersey, New Mexico, New York, Oregon, Rhode Island, Vermont, and Washington

Location

• Ideally based in Wilmington, NC; remote designations may be considered for qualified candidates
• Work sponsorship is not supported, now or in the future

Equal Opportunity

The employer is an Affirmative Action and Equal Opportunity Employer. Equal access to programs, service, and employment is available to all persons. Applicants are considered without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, genetic information, veteran status, or disability. Those requiring reasonable accommodation for the application and/or interview process should notify Human Resources.