Credit Review Officer II - Commercial Underwriting
About The Position
This is a remote role that may be hired in several markets across the United States. This position conducts an independent review of the Bank's commercial, business, and consumer loan portfolios. Assesses portfolios for credit quality, documentation accuracy, and policy compliance. Analyzes financial data to determine ongoing creditworthiness and classifies loans according to risk. Serves as a senior advisor to management on identified issues, assisting in initiatives to resolve discrepancies and manage risk. May occasionally guide less experienced associates in the work group.
Requirements
- Bachelor's Degree and 6 years of experience in Commercial Lending or Credit Administration OR High School Diploma or GED and 10 years of experience in Commercial Lending or Credit Administration
Nice To Haves
- Credit Risk Certification (CRC)
- Experience with ENCINO underwriting packages
- Experience with CQS loan review software
- Knowledge of accounting and finance principles
- Knowledge of current laws and regulations, loan documentation, and bank policies
Responsibilities
- Portfolio Review - Performs an advanced analytical review of selected loan relationships. Verifies quality of supporting documentation, updating and categorizing according to status changes in the portfolio. Identifies any servicing deficiencies, policy violations, or credit risks.
- Credit Control - Determines sample of credits for analysis with focus on risk trends. Maintains accurate credit scores by interpreting data from tax returns and financial statements. Periodically evaluates and approves action plans.
- Risk Mitigation - Responsible for managing potential losses and exposures identified during portfolio assessment. Assists in developing and implementing credit risk strategies or solutions. Approves or declines grade change requests from the field based on appropriate risk migration.
- Reporting - Produces reports based on the results of portfolio assessment. Conveys patterns, deficiencies, and other areas of concern or review. Ensures that reports are complete and accurate. Documents policy or regulation exceptions.
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
Industry
Credit Intermediation and Related Activities
Number of Employees
5,001-10,000 employees
