Credit Review Senior Examiner

Position Summary

Through examinations and monitoring, Credit Review provides an independent assessment of credit decisions and the effectiveness of credit processes across the bank’s credit platform, identifies existing and emerging risks, and reports its findings to various stakeholders, including executive management, the Board of Directors or committee thereof, external auditors and regulatory agencies.

Responsibilities

• Performs transactional testing of credit process execution of new and existing clients
• Supports conclusions through fact-based analysis, proposing suggestions and influencing senior leaders
• Participates in examination activities, occasionally leading exams
• Identifies, assesses and reports on existing and emerging risks
• Drive a culture of continuous improvement by leading or participating in complex or multiple projects
• Achieve continuous testing goals by producing quality, timely work
• Maintain well-written, easy to follow work papers in accordance with Credit Review guidelines and best practices
• Raise potential areas of concern for QA team to review
• Actively engage with Corporate Audit to ensure ongoing awareness of review activity, coordination, and ongoing risk assessment
• Support enterprise initiatives related to operational excellence and adoption of AI tools to continuously improve our work processes

Required Qualifications

• 10+ years of direct commercial credit experience
• Bachelor’s Degree with a preference in finance, accounting, economics or other business concentration
• 5+ years experience commercial credit experience (direct lending, workout, risk management and/or regulatory)
• Ability to support conclusions through fact-based analysis and ability to influence senior leaders
• Excellent credit analysis, project management and leadership skills
• Strong organizational and communication skills, both written and verbal
• Ability to manage multiple complex tasks while delivering high quality results
• Expert Financial Analysis Skills
• Deep knowledge of Loan Structuring and underwriting
• Experienced in Credit and Risk Assessment
• Issue Management and Resolution
• A strong knowledge of Regulatory Compliance
• Excellent skills in building and maintaining business relationships

Desired Qualifications

• Demonstrated experience in identifying, assessing and reporting on existing and emerging risks
• Experience with direct applicability to Credit Review responsibility
• Ability to coach/mentor new or less experienced associates
• Strong Counterparty Credit Risk background and/or Global Markets experience preferred