Credit Risk Review Officer-Consumer

Southstate Bank • Va, NC

4d

About The Position

Assists Consumer Group Manager in conducting comprehensive Ongoing Monitoring of the Consumer and Residential Real Estate loan portfolios. This includes, among other things, reviewing reports, attending meetings, and communicating with key stakeholders. Will participate in Credit Process/Target/Ongoing Monitoring Reviews of the Consumer/Residential Real Estate loan portfolios. May be asked to lead less complex Reviews. Responsibilities also include identifying risk (e.g., exceptions, overrides, changes to strategy) and developing an ongoing monitoring plan to ensure risks are assessed. Ability to analyze findings, draw conclusions and provide recommendations. Validate credit/financial information and automated scoring/underwriting system results to verify the credit worthiness of the borrower, the quality of the underwriting, and validity of the risk rating. Validate selected loan and collateral documentation for adequacy, adherence to loan policy and enforceability. Assists in the preparation of periodic Risk Assessments to validate or revise the risk-based ranking of assigned Universe unit(s). Communicate with underwriters, credit administrators and other management in a logical and positive manner, providing positive and helpful feedback based on findings. Owning and managing follow-up items resulting from the review and reporting the resolution of those items in review documentation. Attend various loan committee meetings and other relevant meetings as appropriate, including periodic touch base meetings with key stakeholders. Embrace change and serve as a positive catalyst for change. Foster an environment that encourages continuous improvement. Develop ideas to increase the continued advancement and effectiveness of the Credit Risk Review function. Assist Consumer Group Manager with special projects as needed. Develop subject matter expertise within the Consumer/Residential Real Estate portfolios. Assist Consumer Group Manager with special projects as needed.

Requirements

• Ability to analyze findings, draw conclusions and provide recommendations.
• Ability to validate credit/financial information and automated scoring/underwriting system results.
• Ability to validate selected loan and collateral documentation for adequacy, adherence to loan policy and enforceability.
• Ability to communicate with underwriters, credit administrators and other management in a logical and positive manner, providing positive and helpful feedback based on findings.
• Ability to own and manage follow-up items resulting from the review and reporting the resolution of those items in review documentation.
• Ability to embrace change and serve as a positive catalyst for change.
• Ability to foster an environment that encourages continuous improvement.
• Ability to develop ideas to increase the continued advancement and effectiveness of the Credit Risk Review function.
• Subject matter expertise within the Consumer/Residential Real Estate portfolios.

Nice To Haves

• May be asked to lead less complex Reviews.

Responsibilities

• Conduct comprehensive Ongoing Monitoring of the Consumer and Residential Real Estate loan portfolios.
• Review reports, attend meetings, and communicate with key stakeholders.
• Participate in Credit Process/Target/Ongoing Monitoring Reviews of the Consumer/Residential Real Estate loan portfolios.
• Identify risk (e.g., exceptions, overrides, changes to strategy) and develop an ongoing monitoring plan to ensure risks are assessed.
• Analyze findings, draw conclusions, and provide recommendations.
• Validate credit/financial information and automated scoring/underwriting system results.
• Validate selected loan and collateral documentation for adequacy, adherence to loan policy, and enforceability.
• Assist in the preparation of periodic Risk Assessments.
• Communicate with underwriters, credit administrators, and other management, providing positive and helpful feedback.
• Own and manage follow-up items resulting from the review and report their resolution.
• Attend loan committee meetings and other relevant meetings.
• Embrace change and serve as a positive catalyst for change.
• Foster an environment that encourages continuous improvement.
• Develop ideas to increase the continued advancement and effectiveness of the Credit Risk Review function.
• Assist Consumer Group Manager with special projects as needed.
• Develop subject matter expertise within the Consumer/Residential Real Estate portfolios.

Benefits

• Equal Opportunity Employer, including disabled/veterans.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: No Education Listed