Loan Review Commercial Examiner II

Overview

This role is based in Mount Laurel, New Jersey, United States of America and involves independent, high-quality borrower file reviews as part of Examinations and continuous review testing activities across a broad range of commercial loan portfolios.

Hours: 40

Compensation: $100,000 - $150,000 USD. Base pay offered may vary based on the candidate’s skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs.

Responsibilities

• Independently conduct borrower file reviews within the scope of Examinations and continuous review testing across commercial loan portfolios.
• Assess underwriting adequacy, portfolio monitoring activities, documentation adequacy, collateral valuations, risk rating accuracy, and problem loan administration.
• Interpret and apply regulatory feedback and requirements, along with bank policies and credit standards; evaluate reviewed credits for adherence to policies, credit standards, risk limits, and regulatory guidance.
• Analyze and interpret borrower-specific information, including an independent assessment of repayment capacity, management capability, covenant adherence, legal documentation, and industry risk.
• Use independent judgment to develop and provide management with a risk rating assessment for borrowers reviewed to support the bank’s Expected Loss determination.
• Participate in and contribute to risk rating discussions internally and with Line of Business partners.
• Develop job aids in support of Examination activities using subject matter expertise.
• Interact professionally and independently with lending and credit management staff (verbally and in writing) to resolve discrepancies and disputes; incorporate Line of Business feedback into final assessments where appropriate.
• Maintain expert working knowledge of credit policies and procedures and measure adherence during loan reviews.
• Stay current on credit products and structures, industry trends, and regulatory changes through independent professional development.
• Produce workpapers documenting review findings for internal presentation to Loan Review management and external presentation to Line of Business partners and Regulatory review.
• Manage workflow in accordance with department standards.
• Assist in the professional development of other Commercial Examiners as appropriate.
• Maintain confidentiality of customer information at all times.
• Perform other related duties as required.

Requirements

• Bachelor’s Degree in business or related field required. Strong preference for Finance or Accounting major or concentration, but actual work experience can offset a different degree type.
• Minimum of 5 years of Commercial credit experience in loan review, credit underwriting/analysis, credit management, credit risk management, Commercial lending, or Regulatory examinations.
• Strong knowledge of Commercial lending and credit analysis, with demonstrated experience in corporate, syndicated and leveraged loans highly desired.
• Excellent verbal and written communication skills.
• Ability to compile data collected during reviews and interpret it in narrative and analytical form to present resulting review findings to business management.
• Ability to present well-formed and supported opinions of process, procedure, and credit risk condition to business management.
• Ability to prioritize and organize assignments and meet strict deadlines.
• Excellent PC skills, including word processing and spreadsheets via Microsoft Office products as well as custom applications and systems.

Preferred Qualifications

• Highly competent in commercial credit analysis, credit risk assessment, and risk rating via Regulatory definitions.
• Able to work well with and influence others over whom they have no direct management control.
• Effective collaboration and coaching through strong spoken and written communication.
• Highly organized and attentive to detail.
• Able to make observations and connections that may highlight potential credit risk.
• Able to determine, support, and advocate for a position based on available data and knowledge.
• Able to effectively communicate potential credit risk up to Exam Management.
• Able to navigate potentially contentious circumstances.

Physical Requirements

• Domestic Travel: Occasional
• International Travel: Never
• Performing sedentary work: Continuous
• Performing multiple tasks: Continuous
• Operating standard office equipment: Continuous
• Responding quickly to sounds: Occasional
• Sitting: Continuous
• Standing: Occasional
• Walking: Occasional
• Moving safely in confined spaces: Occasional
• Lifting/Carrying (under 25 lbs.): Occasional
• Lifting/Carrying (over 25 lbs.): Never
• Squatting: Occasional
• Bending: Occasional
• Kneeling: Never
• Crawling: Never
• Climbing: Never
• Reaching overhead: Never
• Reaching forward: Occasional
• Pushing: Never
• Pulling: Never
• Twisting: Never
• Concentrating for long periods of time: Continuous
• Applying common sense to deal with problems involving standardized situations: Continuous
• Reading, writing and comprehending instructions: Continuous
• Adding, subtracting, multiplying and dividing: Continuous

Compensation & Benefits

• Base salary range: $100,000 - $150,000 USD (actual base pay offered may vary).
• Total Rewards package includes base salary and variable compensation/incentive awards (eligibility for cash and/or equity incentive awards generally through participation in an incentive plan) and includes health and well-being benefits, savings and retirement programs, paid time off (Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition.

Equal Opportunity & Accommodation

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran, or any other characteristic protected under applicable federal, state, or local law.

If you are an applicant with a disability and need accommodations to complete the application process, request accommodations through the workplace accommodations program.

Note on Job Duties

The statements above describe the general nature and level of work performed. They are not intended to be an exhaustive list of all responsibilities, duties, and skills required. The listed responsibilities and duties are considered essential functions for ADA purposes.