Credit Risk Review Examiner

Regions Bank•Hoover, AL

4d•Onsite

About The Position

At Regions, the Credit Risk Review Examiner continuously monitors and examines activities, assessing and reporting the status and direction of credit risk within assigned portfolios. This role identifies key credit risk trends and evaluates origination quality, portfolio performance, and credit risk management practices through analysis of credit metrics, transaction testing, and ongoing engagement with first- and second-line business and risk partners. This position identifies issues requiring management attention and communicates review findings through formal reporting on risk rating accuracy, policy compliance, and sound credit risk management practices.

Requirements

Bachelor’s degree in a related field
Seven (7) years of credit-related experience, or five (5) years of third line of defense credit risk assurance, regulatory, or credit approval/management experience
Experience writing risk management review reports
Ability to learn additional systems as needed
Ability to research, analyze data, and derive facts
Ability to work in a team environment when applicable
Ability to work well autonomously, with limited guidance
Ability to work well under pressure and meet deadlines
Proficiency in Microsoft Office Suite (Excel, Word, PowerPoint, Outlook, etc.)
Strong organizational skills
Strong verbal and written communication skills
Strong work ethic and self-motivation

Responsibilities

Maintains a working knowledge of sound lending practices, lending regulations, and the bank’s loan policy and underwriting guidelines
Reviews credit exposures to provide assurance of compliance with Regions' credit policies, and safe and sound banking practices
Participates and/or takes a leadership role in credit risk review examinations, which may include horizontal reviews across lines of business and geographies
Develops and maintains positive working relationships with line of business management, credit risk management, audit staff, and other departments
Analyzes trends in key quality and performance metrics, reviews transactions, and assesses processes associated with the origination and servicing of assigned loan portfolios
Identifies and monitors the evolution of key risk direction drivers for assigned portfolios
Performs ad hoc analysis of credit risk issues independently, frequently requiring aggregation of transaction data through the use of spreadsheet or database software
Maintains specialized knowledge, as required for assigned lines of business, which may include expertise required to assess periodic validation of credit scoring models, understanding portfolio valuation techniques, etc.
Proposes appropriate ratings and risk direction assessments and participates in developing findings and conclusions, presenting results to senior managers, and completing written reports within departmental guidelines
Maintains documentation to support review process and findings
Maintains a thorough knowledge of credit risk review procedures, sound lending practices, credit policies, and regulatory requirements
Offers advice and guidance to junior examiners, assisting in the development of necessary skills and the promotion of continuous improvement initiatives
Collaborates with senior management in the development of team goals and objectives, ensuring consistent achievement
May serve as the lead examiner for assigned line(s) of business for continuous monitoring of credit risk conducted between examinations