Credit Review Officer

Essential Job Responsibilities

• Completes departmental programs and special assignments in order to meet the objectives and goals of the department.
• Performs and/or assists with credit reviews for quality, accuracy, and compliance with regulations, seeking guidance from senior staff or management when necessary.
• Conducts detailed analysis and examination of underwriting, financials, and loan documentation used to determine the borrower's ability to repay the loan and the accuracy of the assigned risk rating.
• Compiles review results into standard report format, which consists of reciting the findings, conclusions, and recommendations to resolve any noted deficiencies into narrative terms.
• Verifies that loan portfolios adhere to laws, regulations, policies, procedures, and prudent business practices.
• Affirms/assigns risk ratings in accordance with bank guidelines based on own analysis.
• Sharpens credit analysis skills through exposure to a variety of financial conditions and companies being reviewed, as well as a greater complexity of loans.
• Maintains up-to-date knowledge of changes in laws, regulations, and policies which affect the Credit Review area and function.
• Assists other Audit Departments (i.e. Financial, Operations, and IT) as necessary and applies cross-functional skills.
• Coincides and communicates with other departments and external auditors as necessary to facilitate the exchange of necessary information and documentation.

Bona Fide Occupational Qualifications

• A Bachelor’s degree in Finance, Accounting, or related field.
• A minimum of three (3) years banking and/or credit review or lending with emphasis on commercial lending experience.
• Working knowledge of general financial institution policies and procedures and proficiency in Microsoft Word and Excel.
• Excellent organizational, problem-solving and analytical skills including the ability to define problems, collect data, establish facts, and draw conclusions.
• Must possess a valid driver’s license and have the ability to travel regionally if necessary.
• May be eligible for Telecommuting.