Auditor Manager

Responsibilities

• Orchestrate an audit program analyzing credit portfolio and administrative risks through regular testing activities.
• Develop evaluation strategies to address varied credit profiles encompassing credit underwriting, portfolio management, and documentation approaches.
• Compile, interpret, and report leading performance metrics used to monitor portfolio health.
• Regularly review and evaluate loan [pool] quality, including underwriting standards and credit policy adherence, collateral adequacy, and borrower performance trends.
• Review credit files in evaluation of borrower financial stability, cash flow capacity, and collateral quality; identifying shortfalls that could lead to future debt-servicing weaknesses.
• Periodically assess loan portfolios of varied characteristics ensuring consistent, appropriate risk grades are maintained with timely grade changes occurring as necessary.
• Work with senior management to develop strategies for managing identified problem loans, including determining corrective actions needed and providing recommendations.
• Prepare and present management reports covering loan quality, risk concentrations, loan classifications, and other performance metrics to Board Committee Directors and executive management.
• Provide credible challenge, offer solution recommendations, and influence action(s) taken based on sound conclusions.
• Collaborate cross-functionally with various teams involved in lending processes to identify and address concerns, while facilitating enhancement of processes or systems.
• Maintain the necessary independence of loan production and credit review processes conducted within the business ensuring impartiality of risk assessment and loan analysis activities.
• Remain current with regulatory requirement changes, industry best practices, and economic trends impacting the broader credit environment.

Requirements

• A Bachelor's degree of Finance, Accounting, Business Administration, or a related field of study (a Master's degree and professional certifications, such as CPA or CFA, are viewed favorably).
• Six plus years of professional experience in financial audit, credit risk management, loan review, or a similar commercial financing role within a financial institution.
• A well-developed understanding of commercial credit production processes that support loan underwriting, portfolio management, and credit-box administration activities.
• Established experience with conducting and managing credit audits, loan review functions, or similar oversight within a banking setting.
• Strong analytical and problem-solving skills, demonstrating the ability to evaluate loan quality, identify various risk exposures, and recommend appropriate improvements.
• Excellent communication and interpersonal skills are necessary, with an ability to report on complex situations to senior leadership and Board members in clear and concise terms.
• A demonstrated ability to work independently while collaborating effectively with cross-functional teams.

Benefits

• Medical, dental, vision
• 401(k) with employer match
• Life and long-term disability coverage
• HSA and FSA plans
• Holidays and paid time off requests
• Robust wellness program (we're talking catered meals three times a week, lunch and learns, and onsite gym.)