Senior Credit Risk Review Officer

Overview

This role independently evaluates the credit quality and credit processes of the bank to support a sound and profitable financial institution. The Senior Credit Risk Review Officer owns assigned tasks and challenges encountered in day-to-day operations, with a primary focus on assessing the effectiveness of lending practices and credit-related supervision.

Credit Risk Review responsibilities include:

• Identifying unnecessary credit risk in individual loans and in various lending unit loan portfolios
• Confirming the effectiveness of loan grading
• Communicating findings to management and driving positive change

Responsibilities

• Conduct comprehensive ongoing monitoring of the most complex commercial loans, including assessment of:
  • Credit quality
  • Strategy/credit acquisition planning
  • Underwriting
  • Loan structure
  • Approval
  • Annual servicing
  • Risk rating
  • Problem loan management
  • Credit file integrity
• Typically lead (Reviewer-in-Charge) Credit Process/Target Reviews of the most complex commercial portfolios, including selection of risk elements/procedures within a portfolio or across portfolios. A full Credit Process Review generally includes assessment of:
  • Credit quality
  • Strategy/credit acquisition planning
  • Underwriting
  • Loan structure
  • Approval
  • Annual servicing
  • Risk rating
  • Problem loan management
  • Credit file integrity
• Participate in Credit Process/Target Reviews across all levels of commercial portfolios, including selection of risk elements/procedures within a portfolio or across portfolios
• Validate credit/financial information to verify the creditworthiness of borrowers/guarantors and the validity of the loan/credit relationship grade
• Validate selected loan and collateral documentation for adequacy, adherence to loan policy, and enforceability
• Prepare periodic Risk Assessments to validate or revise the risk-based ranking of assigned Universe unit(s)
• Communicate with loan officers, underwriters, portfolio managers, analysts, credit administrators, and other management in a logical and positive manner, providing positive and helpful feedback based on findings
• Own and manage follow-up items resulting from reviews, and report resolution in review documentation
• Attend loan committee meetings and other relevant meetings as appropriate, including periodic touch-base meetings with key stakeholders
• Mentor less experienced teammates (e.g., Loan Review Officers I and II)
• Serve as a Subject Matter Expert on assigned portfolios and conduct training as needed
• Embrace change and support continuous improvement initiatives; assist the Director of the Credit Risk Review and the Credit Risk Review Manager with implementation of continuous improvement initiatives
• Develop ideas to increase the continued advancement and effectiveness of the Loan Review function

Requirements

• Education: College Degree, preferably a degree in Accounting, Finance, Economics or equivalent experience
• Experience: Minimum of seven years of credit review, commercial lending, commercial loan underwriting, and/or commercial loan portfolio management experience
• Certifications/Specific Knowledge:
  • Computer literacy
  • Proficient in Microsoft Office applications
  • General banking experience required

Preferred Qualifications

None specified.

Compensation & Benefits

Not specified in the provided job description.

Location

• Telecommuters or hybrid: Telecommuting roles may be hybrid or 100% full time telecommuting.
• A secure home office environment is required that is free from background noise and distractions.
• A reliable private internet connection is required that is not supplied by use of cellular data (hot spot). Cable or fiber connections are preferred.
• Requirements are subject to change as new systems and technology are delivered.

Travel

Travel may be required to come to meetings as needed.

Training Requirements / Classes

• Required annual compliance training
• New Employee Orientation

Physical Demands

• Ability to access and interpret information on computer screens, documents, reports, and cash denominations, and identify customers
• Significant time in front of a computer; work can be done sitting or standing with use of the right desk
• May occasionally lift up to 25 pounds to perform job tasks
• May require bending and reaching

Equal Opportunity

Equal Opportunity Employer, including disabled/veterans.

Reasonable Accommodations

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.