Job Description

Job Responsibilities:

Conduct independent, high quality, comprehensive reviews of borrowers across a diverse range of

Commercial loan portfolios

(

CRE

and

C&I

preferred) to assess adequacy of credit quality, loan documentation, credit administration, collateral valuations, risk rating accuracy, and compliance with established policies Analyse and interpret borrower specific information, including an independent assessment of repayment capacity, covenant adherence, legal documentation, and industry risk Interpreting and applying regulatory feedback and requirements as well as bank policies and credit standards and evaluate adherence of reviewed credits to these policies, credit standards, risk limits, and regulatory guidance Produce workpapers documenting review findings for internal presentation to bank management and external presentation to Line of Business partners and Regulatory review Skills :
Strong knowledge of

U.S. banking laws and regulations

, specifically those which pertain to commercial credit, underwriting, and credit department management Understanding of

credit processes

, such as

loan origination and underwriting

;

credit policies

;

portfolio management

; allowance for loan and lease losses;

loan review

and

remediation

Prior experience with

risk ratings

,

risk rating methodology

, and

allowance methodology

would be a plus Demonstrated experience overseeing and performing c

redit risk reviews/loan reviews

Effective communication skills and the ability to interact with all levels of management with limited supervision Working knowledge of

project planning

and

project management methods and tools

Qualification:

CA/CPA/MBA Finance/Graduate in Finance (Accounting)

Experience:

8+ years of experience in credit risk review/loan review of commercial credit (CRE, and C&I preferred) with good understanding of risk policies and framework, credit lines, and counterparty credit risk