Credit Review Manager
About The Position
Under the guidance of the Credit Risk Review Director, this role manages the department's Credit Risk Review Examiners in completing independent loan review activities. It provides an independent review and risk assessment of non-Homogeneous loans, including some of the bank's largest and most complex loans, ensuring adherence to Bank credit policies, underwriting guidelines, and applicable regulations, as well as determining that risk is accurately identified via the Bank's internal loan risk rating system. Periodically, this role is also responsible for managing reviews of loan portfolios; coordinating workflow for a team of review officers, summarizing results, and communicating issues of concern to bank senior management. The role provides input to the Credit Risk Review Director for the annual operating and staffing plan for the department and participates in the development of the department's Universe Risk Assessment tool and annual exam plan. It is responsible for the review and recommendation of assigned staffing actions; monitors staff activities; oversees staff training; and provides staff mentoring. The role coordinates the department’s workflow and staffing assignments with the Credit Risk Review Director, directs assigned review activities, drafts department policies and procedures, and reviews/approves project plans, samples, results, and draft reports for assigned areas of responsibility. It reviews risk rating concurrence actions as assigned and develops/contributes to the materials provided to the Audit Committee. The role collaborates and consults with Wholesale Banking, Credit Quality Administration, Enterprise Risk, Internal Audit, and others to ensure timely, proactive, and inclusive dialogue about credit risk issues and controls. Demonstrates compliance with all bank regulations for assigned job function and applies to designated job responsibilities – knowledge may be gained through coursework and on-the-job training. Keeps up to date on regulation changes. Follows all Bank policies and procedures, compliance regulations, and completes all required annual or job-specific training. Maintains a working knowledge of Bank's written policies and procedures regarding Bank Secrecy Act, Regulation CC, Regulation E, Bank Security and other regulations as applicable to this job description. May be asked to coach, mentor, or train others and teach coursework as subject matter expert. Actively learns, demonstrates, and fosters the Columbia corporate culture in all actions and words. Takes personal initiative and is a positive example for others to emulate. Embraces the vision to become “Business Bank of Choice”. May perform other duties as assigned.
Requirements
- Bachelor's Degree in accounting, finance, economics or related field (preferred)
- 7-10 years — of experience in banking, commercial credit, and business financial analysis, with department oversight/personnel management; prior commercial loan review experience preferred. (Required)
- Extensive and varied experience in commercial and consumer credit products.
- Knowledge of banking regulations and accounting rules; regulatory guidance specific to the internal credit risk review function.
- Advanced skills in financial analysis.
- Proficient in Microsoft Office suite.
- Ability to interact and clearly communicate at all levels of the organization.
- Proven skills at developing strong relationships with , staff peers, and leadership.
- Proven ability to lead and develop high-performing teams, with strong skills in conflict resolution, performance management, and fostering a collaborative work environment.
Nice To Haves
- Bachelor's Degree in accounting, finance, economics or related field
- prior commercial loan review experience preferred
Responsibilities
- Manages the departments Credit Risk Review Examiners in completing the independent loan review activities.
- Provides an independent review and risk assessment of non-Homogeneous loans, including some of the bank's largest and most complex loans, ensuring adherence to Bank credit policies, underwriting guidelines, and applicable regulations, as well as determining that risk is accurately identified via the Bank's internal loan risk rating system.
- Periodically also responsible for managing reviews of loan portfolios; coordinating workflow for a team of review officers, summarizing results, and communicating issues of concern to bank senior management.
- Provides input to the Credit Risk Review Director for the annual operating and staffing plan for the department.
- Participates in the development of the departments Universe Risk Assessment tool and annual exam plan.
- Responsible for review and recommendation of assigned staffing actions; monitors staff activities; oversees staff training; provides staff mentoring.
- Coordinates the department’s workflow and staffing assignments with the Credit Risk Review Director.
- Directs assigned review activities; drafts department policies and procedures; reviews/approves project plans, samples, results, and draft reports for assigned areas of responsibility.
- Reviews risk rating concurrence actions as assigned.
- Develops/Contributes to the materials provided to the Audit Committee.
- Collaborates and consults with Wholesale Banking, Credit Quality Administration, Enterprise Risk, Internal Audit and others to ensure timely, proactive, and inclusive dialogue about credit risk issues and controls.
- Demonstrates compliance with all bank regulations for assigned job function and applies to designated job responsibilities – knowledge may be gained through coursework and on-the-job training.
- Keeps up to date on regulation changes.
- Follows all Bank policies and procedures, compliance regulations, and completes all required annual or job-specific training.
- Maintain a working knowledge of Bank's written policies and procedures regarding Bank Secrecy Act, Regulation CC, Regulation E, Bank Security and other regulations as applicable to this job description.
- May be asked to coach, mentor, or train others and teach coursework as subject matter expert.
- Actively learns, demonstrates, and fosters the Columbia corporate culture in all actions and words.
- Takes personal initiative and is a positive example for others to emulate.
- Embraces our vision to become “Business Bank of Choice”.
- May perform other duties as assigned.
Benefits
- comprehensive healthcare coverage (medical, dental, and vision plans)
- a 401(k)-retirement savings plan with employer match for qualifying associate contributions
- an employee assistance program
- life insurance
- disability insurance
- tuition assistance
- mental health resources
- identity theft protection
- legal support
- auto and home insurance
- pet insurance
- access to an online discount marketplace
- paid vacation, sick days, volunteer days, and holidays
Stand Out From the Crowd
Upload your resume and get instant feedback on how well it matches this job.
What This Job Offers
Job Type
Full-time
Career Level
Manager
