Credit Risk Review Specialist III
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. The Specialist III is responsible for critical support of independent and objective evaluations of credit risk, credit controls, and credit administration across various lending portfolios. Demonstrates subject matter expertise, regularly leads or mentors others, and may serve as project lead for initiatives of departmental significance. Essential Functions/Responsibilities Independently conduct comprehensive reviews of assigned loan portfolios (commercial and retail). Lead in the identification of credit weaknesses, emerging trends, or risk factors in reviewed loan portfolios. Provide advanced independent analysis of borrower financials, loan structures, industry conditions, and market trends to identify systemic credit risk issues and opportunities. 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. Serve as a department resource and subject matter expert; provide coaching and training to junior staff. Lead projects or initiatives of departmental significance, including process and quality improvements. Ensure compliance with regulatory requirements and internal bank policies.
Requirements
- 8+ years previous credit related experience (credit/loan review, underwriting, lending, problem loan/workout, loan operations/administration, or related areas).
- Comprehensive expertise in credit analysis, loan documentation, regulatory requirements, and risk assessment principles; ability to analyze all portfolios including highly complex credits.
- Excellent language and analytical skills; able to synthesize and communicate complex credit risk issues, industry research, regulatory interpretations, and strategic recommendations.
- Exceptional communication and interpersonal skills, with ability to influence, mentor, and present to management and cross-functional teams.
- Enhanced organizational and time management abilities with capability to manage multiple tasks under supervision.
- Strong computer skills, including Microsoft Office applications.
- Bachelor’s degree in Business, Finance, or Accounting or equivalent experience required.
Nice To Haves
- Extensive experience navigating and interpreting regulatory environments.
- Professional certification in credit or loan review.
- Experience across a diverse array of credit products and complex portfolios.
Responsibilities
- Independently conduct comprehensive reviews of assigned loan portfolios (commercial and retail).
- Lead in the identification of credit weaknesses, emerging trends, or risk factors in reviewed loan portfolios.
- Provide advanced independent analysis of borrower financials, loan structures, industry conditions, and market trends to identify systemic credit risk issues and opportunities.
- 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.
- Serve as a department resource and subject matter expert; provide coaching and training to junior staff.
- Lead projects or initiatives of departmental significance, including process and quality improvements.
- 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 .
- All roles are incentive eligible with the exception of Co-Op, Intern, or Student positions.
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
Number of Employees
501-1,000 employees
