Credit Risk Review Examiner - Commercial
About The Position
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. The primary focus of this role will be commercial credit. Periodically may be assigned responsibility 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. Performs risk analyses to determine financial integrity and identifies potential credit problems. Examines and evaluates records pertaining to loan documentation and collateral, documenting exceptions and omissions. Monitors compliance with bank policies and is the final authority on assignment of credit quality loan grade (risk rating) based on the borrower’s ability to pay and the level of credit risk to the bank. Summarizes and documents the facts and findings of reviews. Reviews recommended loan grade changes for non-Homogeneous loans/commitments to ensure the appropriate Risk Ratings are assigned. Provides recommendations regarding review frequency and identification of additional potential credit problems. Plans and conducts loan portfolio reviews, coordinating workflow, ensuring accuracy and completeness of results, summarizing and communicating issues of concerns to bank senior management. Advises senior management and the Board of Directors on specific loan situations and brings problems or documentation deficiencies to their attention. Reviews various reports to monitor and ensure that specified borrowing relationships are reported appropriately. 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.
Requirements
- 4-7 years of experience in the specialized field of Credit Review or equivalent experience as an examiner with one of the federal regulatory agencies required
- Requires wide-ranging and in-depth knowledge of Credit Review practices/techniques, regulatory requirements, and company policies and procedures.
- Requires significant experience demonstrating the ability to oversee and/or conduct medium to high-risk reviews and examinations for a wide variety of industries.
- Demonstrated ability to effectively resolve sensitive situations.
- Outstanding financial analytical skills with strong attention to detail.
- Excellent written and verbal communication skills.
- Proficient using computers and MS Office Suite including Word, Excel, PowerPoint.
Nice To Haves
- Bachelor's Degree in business, finance, economics, accounting, or equivalent preferred
Responsibilities
- Performs risk analyses to determine financial integrity and identifies potential credit problems.
- Examines and evaluates records pertaining to loan documentation and collateral, documenting exceptions and omissions.
- Monitors compliance with bank policies and is the final authority on assignment of credit quality loan grade (risk rating) based on the borrower’s ability to pay and the level of credit risk to the bank. Summarizes and documents the facts and findings of reviews.
- Reviews recommended loan grade changes for non-Homogeneous loans/commitments to ensure the appropriate Risk Ratings are assigned.
- Provides recommendations regarding review frequency and identification of additional potential credit problems.
- Plans and conducts loan portfolio reviews, coordinating workflow, ensuring accuracy and completeness of results, summarizing and communicating issues of concerns to bank senior management.
- Advises senior management and the Board of Directors on specific loan situations and brings problems or documentation deficiencies to their attention.
- Reviews various reports to monitor and ensure that specified borrowing relationships are reported appropriately.
- 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
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What This Job Offers
Job Type
Full-time
Career Level
Senior
