Credit Risk Review Specialist II

First Financial Bank • Cincinnati, OH

1d • $74,000 - $100,000

About The Position

We do the right things, right now. We do them in a way that is relevant to our clients. Become a part of our history as it continues to be written! If you are interested and qualified for this role, we invite you to apply. Credit Risk Review Specialist II is responsible for advanced support of independent and objective evaluations of credit risk, credit controls, and credit administration across various lending portfolios. This role demonstrates increased independence in executing reviews, contributes to report preparation, and mentors entry level staff. Essential Functions/Responsibilities Independently conduct comprehensive reviews of assigned loan portfolios (commercial and retail). Contribute to the identification of credit weaknesses, emerging trends, or risk factors in reviewed loan portfolios. Provide advanced independent analysis of borrower financial statements, collateral quality, and loan structures as part of credit assessments. Evaluate risk rating practices and ensure proper grading of credits according to bank standards and regulatory guidance. Independently identify and investigate significant credit exceptions or risk issues, determining escalation needs and providing recommendations for remediation. Assist with department administrative duties and participate in required training programs. Ensure compliance with regulatory requirements and internal bank policies. Minimum Knowledge, Skills, and Abilities Needed to Perform Essential Functions of the Job 5-8 years previous banking-related experience (credit/loan review, underwriting, lending, problem loan/workout, loan operations/administration, or related areas). Intermediate knowledge of credit analysis, loan documentation, regulatory requirements, and risk assessment principles; ability to analyze more complex credits. Advanced language skills – ability to read, analyze, and interpret common business journals, financial reports, legal documents, and regulatory issuances. Strong oral and written communication and interpersonal skills necessary in order to interact with internal partners. Enhanced organizational and time management abilities with capability to manage multiple tasks under supervision. Proficient computer skills, including Microsoft Office applications. Preferred Knowledge and Skills Bachelor’s degree in Business, Finance, or Accounting preferred. Level of Complexity and Scope Position with broad Organizational impact. Focus on straightforward review tasks with defined processes. Limited scope, working primarily under guidance. Degree of Independence and Decision-Making Demonstrates growing subject matter expertise and increased proficiency by performing moderately complex assignments with some variability. Works under general supervision, with guidance sought for more complex situations. Exercises independent judgment on routine matters; consults with senior staff for high-impact issues. Required Supervisory Responsibilities No direct supervisory requirements Physical Requirements Remains stationary (sits or stands) for majority of the day Operates a computer for majority of the day Occasionally lifts and carries up to 10 lbs. Compliance Statement The associate is responsible for meeting all compliance requirements imposed on First Financial Bank by State and Federal law and regulation, as well as all related First Financial Bank policies and procedures. This includes all Bank Secrecy Act, Anti-Money Laundering, OFAC and Suspicious Activity reporting requirements, as well as all other lending and deposit compliance requirements. Development and Training Pay Range: $74,000/year to $100,000/year Benefits We have relevant, thoughtful benefits and programs that support every aspect of our associates' holistic wellbeing. Please review our Benefits Guide. Incentive Eligibility All roles are incentive eligible with the exception of Co-Op, Intern, or Student positions. It is our policy to not discriminate against any individual in violation of federal, state, and local laws as it relates to age, race, color, religion, national origin, sex, marital status, pregnancy, gender identity, disability, sexual orientation, genetic information, veteran/military service, or any other characteristic protected by law. We are an E-Verify Employer. At first financial bank, our mission is clear: to be the best bank to do business with, the best place to work, and the best financial partner for our shareholders and the communities we serve. We believe that how we work is just as important as what we achieve. That’s why we’re guided by core values that shape everything we do: Doing the right thing Teamwork Mutual respect Wellbeing Excellence Our success starts with our people. We know that when our associates are talented, engaged, and supported, they create outstanding results. If you're looking to be part of a team that values integrity, inclusion, and collaboration—and where your growth matters—you’ll find your future here.

Requirements

• 5-8 years previous banking-related experience (credit/loan review, underwriting, lending, problem loan/workout, loan operations/administration, or related areas).
• Intermediate knowledge of credit analysis, loan documentation, regulatory requirements, and risk assessment principles; ability to analyze more complex credits.
• Advanced language skills – ability to read, analyze, and interpret common business journals, financial reports, legal documents, and regulatory issuances.
• Strong oral and written communication and interpersonal skills necessary in order to interact with internal partners.
• Enhanced organizational and time management abilities with capability to manage multiple tasks under supervision.
• Proficient computer skills, including Microsoft Office applications.

Nice To Haves

• Bachelor’s degree in Business, Finance, or Accounting preferred.

Responsibilities

• Independently conduct comprehensive reviews of assigned loan portfolios (commercial and retail).
• Contribute to the identification of credit weaknesses, emerging trends, or risk factors in reviewed loan portfolios.
• Provide advanced independent analysis of borrower financial statements, collateral quality, and loan structures as part of credit assessments.
• Evaluate risk rating practices and ensure proper grading of credits according to bank standards and regulatory guidance.
• Independently identify and investigate significant credit exceptions or risk issues, determining escalation needs and providing recommendations for remediation.
• Assist with department administrative duties and participate in required training programs.
• Ensure compliance with regulatory requirements and internal bank policies.

Benefits

• We have relevant, thoughtful benefits and programs that support every aspect of our associates' holistic wellbeing. Please review our Benefits Guide.
• Incentive Eligibility All roles are incentive eligible with the exception of Co-Op, Intern, or Student positions.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Number of Employees: 501-1,000 employees