Credit Review Officer - Consumer

Description Summary

The Credit Review Officer - Consumer reports to a Credit Review Group Manager or Team Lead. The ideal candidate is a proven credit risk professional with an exceptional delivery track record within retail/consumer credit. The CRO independently evaluates and reports on the effectiveness of the credit processes that produce and monitor assets that generate credit risk.

Duties And Responsibilities

• Participate in the execution of Retail Consumer credit review program assignments in accordance with departmental policy and procedures to effectively assess: credit risk inherent in products/services and related activities, adherence to credit policies and procedures, compliance with legal and regulatory requirements, and exam results to determine if issues exist and improvement recommendation are necessary.
• Review transactions and/or mine/analysis broader portfolio data for the quality of underwriting, effective credit processing, adequacy of portfolio/risk management, and compliance with HNB Credit Policy; document conclusions that are concise, accurate and facilitate aggregation for reporting to the intended audience.
• Compile and structure data from multiple sources (internal and external), create and accurately summarize results that are easily utilized by the end-user.
• Conducts periodic risk assessment processes and on-going continuous data analysis reporting to identify emerging risks and factors that necessitate amendments to the annual plan.
• Attend segment/business credit risk management committee meetings aligned with area of subject matter expertise; act as a risk management resource to the business units; communicate key takeaways to the broader Credit Review team.
• Identify and communicate emerging risk issues to provide feedback and recommendations to enhance credit risk management practices across the enterprise.
• Able to develop and maintain working relationships with bank management, and the broader credit review team in order to effectively and efficiently execute review responsibilities.
• Provide CR senior management with information regarding the identification, measurement and management of credit risk for assigned business units.
• Strong verbal and written communication skills as well as ability to manage engagements/projects within allocated timeframes.

Basic Qualifications

• Bachelor’s Degree or 4 years of related consumer or scored small business lending experience
• 5+ years of related experience in credit review, risk management, underwriting or data/credit risk analysis

Preferred Qualifications

• Working knowledgeable of credit risk management and control frameworks
• Working knowledge of MS Access, Excel, PowerPoint, Word, and credit/statistical analysis tools
• Project management skills, ability to deliver high quality results while meeting deadlines, department and personal goals
• Preferred degrees: Accounting, Finance, Economics, Business or Statistics related field
• Certification, Advanced Degree or demonstrated progress toward (i.e. MBA, CPA, Financial Risk Manager, SAS Certified Base Programmer etc.)
• Technical accounting (GAAP) or financial statement analysis knowledge
• 3+ years utilizing SAS/SQL language
• Conflict management

Exempt Status

Yes

Workplace Type

Office