Credit Review - Officer II

NBH Bank•Greenwood Village, CO

11d

About The Position

At our Bank, we believe common sense is more than just banking. We believe in finding financial solutions that cater specifically to our client’s needs. We are looking for talented associates who understand the complexities of life and will offer simple solutions that best fit the needs of our clients. If this is what you believe in, then you’re definitely right for us. And we might be the right bank for you. As a Credit Review Officer II, you will. You will be responsible for a variety of tasks including. Additionally, are expected to, build a great rapport with clients and fellow associates, and treat others with respect and consideration regardless of their status or position. All associates are expected to maintain current knowledge and consistent compliance with regulations and bank policies and procedures related to the position, including but not limited to Bank Secrecy Act (BSA) and Office of Foreign Assets Control (OFAC) requirements. Responsible for evaluating commercial and retail portfolios for the purpose of assessing the accuracy of risk ratings, adherence to lending policies and standards as well as relevant laws and regulations. Identify and provide continual feedback to the Credit Review Manager regarding existing or emerging risks or issues. Effectively manage resources to accomplish department goals and chargeability, timeliness of reporting, actual vs. budgeted time variances and review objectives in accordance with performance metrics. Build relationships with business unit managers to facilitate the understanding of their business to be in a better position to offer solutions. Serve as Examiner-In-Charge (EIC) of more complex lending portfolios which include proper sample selection, review team composition / logistics, data compilation and analysis, written report generation as well as communication and interaction with unit management. Ensure review planning is participative and adequate. Ensure review work papers are thoroughly reviewed for quality and completion prior to issuance of draft reports. Ensure draft reports accurately reflect conclusions documented in review work papers. Encourage staff adherence to industry best practices and departmental policies and procedures. Ensure knowledge of and control over the review process, resolution of review issues, and communicate progress or problems to the Director of Credit Review as deemed necessary. Oversight on special projects as assigned and communicates conclusions verbally or in writing to senior management and the Director of Credit Review as directed. Ensure appropriate communication with business unit management to keep informed of risks, new products, management initiatives, etc. Communicate and assist management in developing and maintaining an internalized risk management process. Maintain current knowledge and consistent compliance with regulations and bank policies and procedures related to the position, including but not limited to Bank Secrecy Act (BSA) and Office of Foreign Assets Control (OFAC) requirements. Interact with others (co-workers, management, clients, and vendors) in a professional and tactful manner including treating them with respect and consideration regardless of their status or position.

Requirements

Bachelor’s degree required in finance, accounting, related discipline or equivalent combination of education and related experience with formal credit training in the financial services industry or regulatory environment with extensive knowledge of commercial credit.
7+ years of progressive job-related experience.
Experienced in underwriting, structuring, covenanting and risk rating commercial credit transactions.
Strong interpersonal skills, along with enhanced organizational and analytical skills required to maintain an independent viewpoint derived from fact-based analysis and patterns of performance.
Experience as a commercial credit analyst, commercial relationship manager, regulatory examiner or credit review officer in a financial institution.
Emphasis on direct regulatory or credit risk management experience

Nice To Haves

MBA or advance degree
10+ years of commercial credit experience
Knowledge of regulatory issues
Exceptional verbal, written and interpersonal communication skills; ability to apply a commonsense approach to issue resolution.
Well-developed analytical skills: ability to assimilate large volumes of information, prioritize issues, form conclusions, determine appropriate action, and effectively translate complicated concepts into simple and understandable communications.
Negotiation / persuasion skills; ability to positively influence others in the absence of direct authority.
Demonstrated knowledge of bank loan policies and procedures.
Maturity and tact; ability to deal and react to highly sensitive issues in a confidential and professional manner.
Responsive and flexible; ability to adapt to changes in the work environment and modify approaches or methods to best fit the situation.
Proficient with MS Office applications including Outlook, Word, Excel, and PowerPoint.

Responsibilities

evaluating commercial and retail portfolios for the purpose of assessing the accuracy of risk ratings, adherence to lending policies and standards as well as relevant laws and regulations.
Identify and provide continual feedback to the Credit Review Manager regarding existing or emerging risks or issues.
Effectively manage resources to accomplish department goals and chargeability, timeliness of reporting, actual vs. budgeted time variances and review objectives in accordance with performance metrics.
Build relationships with business unit managers to facilitate the understanding of their business to be in a better position to offer solutions.
Serve as Examiner-In-Charge (EIC) of more complex lending portfolios which include proper sample selection, review team composition / logistics, data compilation and analysis, written report generation as well as communication and interaction with unit management.
Ensure review planning is participative and adequate.
Ensure review work papers are thoroughly reviewed for quality and completion prior to issuance of draft reports.
Ensure draft reports accurately reflect conclusions documented in review work papers. Encourage staff adherence to industry best practices and departmental policies and procedures.
Ensure knowledge of and control over the review process, resolution of review issues, and communicate progress or problems to the Director of Credit Review as deemed necessary.
Oversight on special projects as assigned and communicates conclusions verbally or in writing to senior management and the Director of Credit Review as directed.
Ensure appropriate communication with business unit management to keep informed of risks, new products, management initiatives, etc. Communicate and assist management in developing and maintaining an internalized risk management process.
Maintain current knowledge and consistent compliance with regulations and bank policies and procedures related to the position, including but not limited to Bank Secrecy Act (BSA) and Office of Foreign Assets Control (OFAC) requirements.
Interact with others (co-workers, management, clients, and vendors) in a professional and tactful manner including treating them with respect and consideration regardless of their status or position.