Credit Risk Specialist

Wilson Bank & Trust•Lebanon, TN

3d•Onsite

About The Position

The Credit Risk Specialist II is responsible for the ongoing monitoring, identification, and reporting of credit risk across the loan portfolio. This position confirms that risk ratings remain accurate over the life of the credit and verifies that emerging issues are identified and escalated. The Credit Risk Specialist II reports to the Chief Credit Officer and provides excellent service and support to team members and customers while demonstrating the Company’s values and supporting the mission.

Requirements

Bachelor’s degree in finance, accounting, or related field
3 years of experience in commercial credit with previous banking experience preferred
Strong knowledge of commercial underwriting (CRE, C&I, construction)
Experience with risk rating systems and portfolio management
Knowledge of regulatory expectations and examiner standards
Advanced skills with Microsoft Office to include Excel
Ability to apply technical knowledge and expertise to department policies and procedures
Ability to work on multiple projects simultaneously while accomplishing daily tasks
Effective verbal and written communication skills with strong presentation skills
Excellent interpersonal skills
Critical thinking, problem solving and analytical skills
High standards for integrity, honesty, professionalism, and work ethic
Commitment to service excellence
Ability to work independently while demonstrating excellent organization and follow through
Demonstrate flexible and efficient time management and ability to prioritize workload
Ability and willingness to work with purpose and a strong sense of urgency
Self-motivated, positive, and enthusiastic
Self-starter with a strong desire to exceed expectations
Maintain confidentiality discretion
Ability to effectively work in collaboration with others to achieve business objectives
Willing to grow and be challenged

Responsibilities

Responsible for the monitoring, identification, and reporting of credit risk across the loan portfolio
Monitor borrower performance, collateral condition, and loan structure on an ongoing basis
Assess reasonableness of existing risk ratings and identify delayed downgrades
Identify emerging risks, adverse trends and portfolio concentrations. Prepare executive summaries that include evidence-based insights and recommendations.
Escalate material credit concerns in a timely manner
Assist with development and monitoring of corrective action plans
Evaluate covenant compliance and monitor effectiveness
Monitor and maintain the credit watch list
Verify departmental documents and activities are compliant with applicable laws, regulations, policies and procedures
Maintain strong internal controls and examination readiness within the credit risk function
Partner with Chief Credit Officer to prepare responses to recommendations resulting from audits and examinations
Identify opportunities for process improvement to enhance efficiency, documentation quality, and exam readiness
Maintain professional and technical knowledge by attending educational workshops, reviewing professional publications, and establishing personal networks
Attend training as requested
Adhere to compliance with all federal bank regulations and laws, including those for consumer protection and the Bank Secrecy Act/Anti-Money Laundering Program
Participate in outside community activities as required
Perform other duties as assigned