Credit Review Officer jobs in the United States

We’re searching for a Senior Credit Review Officer, Vice President to provide a comprehensive assessment of enterprise-wide risk management practices. You will evaluate, monitor, and report on the quality of risk assets and effectiveness of the Bank’s processes to control credit, trading, and associated concentration risks of a complex nature. In addition, you will give prompt feedback to Bank management on the results of monitoring and examination activities. This role is assigned complex portfolios to include leveraged obligors and higher risk issues.

Major Responsibilities:

Monitor risk asset portfolios to identify deterioration or negative management control trends and review compliance with policies, guidelines, and regulations.

Prepare periodic Risk Profile & Monitoring Plans to outline key risk factors and allocate appropriate resources.

Analyze individual credits and/or credit relationships for quality, adherence to approval conditions, the accuracy of risk grading, and adequacy and accuracy of documentation.

Identify and evaluate the effectiveness of credit risk process controls. Analyze credit files, financial documents, projections, and research industry trends to identify risk potential within portfolios.

Evaluate MIS data and identify adverse trends of leading and lagging performance indicators.

Serve as Examiner-In-Charge (EIC) for complex portfolios or processes. As EIC, effectively plan, coordinate and oversee all aspects of on-site activities.

Focus on quality control of transactional reviews and other work performed by the examination team.

Prepare timely, concise reports of examination ratings and significant issues. Follow up for the satisfactory completion of outstanding issues raised by internal and external examiners.

Provide technical guidance to units on credit policies and

control procedures.

Write concise and informative reports, following CEA report standards and guidelines, for senior management to support REM results.

Clearly communicate sensitive issues at the highest level of bank management.

Provide leadership, training, and guidance to other examiners.

Qualifications:

10 years’ work experience, plus significant lending/examination experience

Expertise in commercial real estate and commercial lending examination.

Broad knowledge of Oil & Gas, Project Finance, Power & Utilities, Asset Based Lending, Leasing and Structured Finance throughout the U.S., Canada, Latin America and Asia.

Comprehensive experience of current regulatory and risk management techniques required.

Knowledge of industry credit processes, lending policies, and current financial environments.

Experience in credit-related fields, including knowledge of appropriate risk management techniques.

Strong understanding of credit processes and systematic controls

Understanding of examination techniques, including control

procedures, examination principles, and theory

Credit/financial statement analysis skills and an understanding of business and financial markets.

Knowledge of corporate finance concepts and theories

Ability to analyze portfolio trends at a macro level, identifying signs of changing risk levels and/or symptoms of process control breakdowns.

Strong leadership and communication skills, both oral and written

BA or BS degree; MBA, FRM, CFA, or other advanced degree or certification is a plus.