Credit Risk Review Officer II

S&T Bank • Plum, PA

10d • Onsite

About The Position

Credit Risk Review serves to independently monitor credit quality and assess the effectiveness of credit risk management to provide the directorate and executive management with objective oversight of all lending credit related activities. This role involves performing independent commercial/consumer analysis of credit quality, credit administration management, processes, and controls of lending and credit risk management functions, corporate and business line management. The officer will perform reviews of assigned Credits/borrowers to ensure compliance with established policies and underwriting guidelines, policies, and procedures. They will evaluate the quality of commercial/consumer Credits and the assigned risk ratings, indicating borrower’s financial strength and probability of loan repayment. Additionally, the role may involve reviewing retail loans, other commercial and non-commercial credit exposures, secondary mortgage market quality control, portfolio mortgage loan reviews, and assigned small business loans approved through the Business Banking Lending Division (BBLD). Recommendations will be provided to strengthen the organization and enhance overall supervision of Commercial/consumer lending methods. The position requires maintaining good working relationships with bank employees and functioning as a team player.

Requirements

• Requires a four-year college degree or equivalent.
• Requires two to five years of general experience.
• Requires a Loan Review Certification or willing to obtain a Loan Review Certification within 18 months of hire date.

Nice To Haves

• Preferred major or area of specialization in Accounting and formal credit training.
• Preferred minimum of five years specialized training, specifically five years of commercial loan review experience or an equivalent combination of credit analysis and commercial loan review experience.

Responsibilities

• Perform reviews of the assigned Credits /borrowers to ensure compliance with established policies and underwriting guidelines, policies, and procedures.
• Evaluates quality of commercial/consumer Credits and the assigned risk ratings indicating borrower’s financial strength and probability of loan repayment.
• Evaluates the quality Credits /borrowers and verifies that the appropriate risk rating was assigned indicating borrower’s financial strength and probability of loan repayment.
• Perform reviews of the bank’s commercial loans to ensure compliance with established policies and standards.
• May also review retail loans and other commercial and non-commercial credit exposures.
• Performs secondary mortgage market quality control and portfolio mortgage loan reviews to evaluate compliance with established investor and underwriting guidelines, policies, and procedures.
• Performs reviews of assigned small business loans approved through the Business Banking Lending Division (BBLD) to evaluate the assigned risk rating and the quality of the BBLD loan portfolio.
• Provide recommendations to the Commercial/ Consumer Credit Risk Review Manager, to be communicated to credit risk management and /or consumer lending management that strengthens the organization and enhances overall supervision of Commercial/ consumer lending methods and provides tools to continually measure effectiveness.
• May assist in performing Commercial or Retail credit reviews, and bank projects requiring Credit expertise.
• Examine all areas where credit risk is managed or monitored.
• Maintains a good working relationship with all bank employees.
• Possesses the ability to work as a team player to contribute to the success of the organization.
• Assume additional responsibilities as required.

Benefits

• Offered rates and salaries may vary based on geographic location, market data and on experience, education, and evidenced position specific skill requirements.
• For roles that are incentive eligible, payment is based upon the plan document and company, business, and/or individual performance.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level