Credit Risk Review Examiner
About The Position
The Credit Risk Review Examiner continuously monitors and examines activities to assess and report the status and direction of credit risk within assigned portfolios. The 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. The examiner identifies issues requiring management attention and communicates review findings through formal reporting on risk rating accuracy, policy compliance, and sound credit risk management practices. The position may include leading credit risk review examinations and serving as lead examiner for assigned lines of business between examinations. The examiner also advises junior examiners and collaborates with senior management on team goals and objectives. The role is incentive eligible and exempt from timekeeping requirements under the Fair Labor Standards Act, so it is not eligible for overtime pay. The position is located at Regions Center in Birmingham, Alabama.
Requirements
- Bachelor’s degree in a related field.
- Seven years of credit-related experience, or five 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 and analyze data and derive facts.
- Ability to work in a team environment when applicable and autonomously with limited guidance.
- Ability to work under pressure and meet deadlines.
- Proficiency in Microsoft Office Suite, including Excel, Word, PowerPoint, and Outlook.
- Strong organizational skills.
- Strong verbal and written communication skills.
- Strong work ethic and self-motivation.
Responsibilities
- Maintain working knowledge of sound lending practices, lending regulations, and the bank’s loan policy and underwriting guidelines.
- Review credit exposures for compliance with Regions' credit policies and safe and sound banking practices.
- Participate in or lead credit risk review examinations, including horizontal reviews across business lines and geographies.
- Develop and maintain positive working relationships with line-of-business management, credit risk management, audit staff, and other departments.
- Analyze quality and performance metrics, review transactions, and assess processes related to origination and servicing of assigned loan portfolios.
- Identify and monitor changes in key risk direction drivers for assigned portfolios.
- Independently perform ad hoc analysis of credit risk issues, including aggregating transaction data using spreadsheet or database software.
- Maintain specialized knowledge needed for assigned business lines, including credit scoring model validation and portfolio valuation techniques where applicable.
- Propose ratings and risk direction assessments; help develop findings and conclusions, present results to senior managers, and complete written reports within departmental guidelines.
- Maintain documentation supporting the review process and findings.
- Maintain knowledge of credit risk review procedures, sound lending practices, credit policies, and regulatory requirements.
- Advise and guide junior examiners, helping develop their skills and promote continuous improvement.
- Collaborate with senior management to develop team goals and objectives and support their consistent achievement.
- Serve as lead examiner for assigned business lines conducting continuous credit risk monitoring between examinations, as needed.
Benefits
- Paid vacation and sick time
- 401(k) with company match
- Medical benefits
- Dental benefits
- Vision benefits
- Disability benefits
- Health Savings Account
- Flexible Spending Account
- Life insurance
- Parental leave
- Employee Assistance Program
- Associate Volunteer Program
- Annual discretionary incentive plan; awards may be based on individual, business, and/or company performance
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What This Job Offers
Job Type
Full-time
Career Level
Senior
