Credit Risk Review Examiner
About the role
The Credit Risk Review Examiner continuously monitors and examines activities, assessing and reporting the status and direction of credit risk within assigned portfolios. The role identifies key credit risk trends, evaluates origination quality, portfolio performance, and credit risk management practices through analysis of credit metrics, transaction testing, and ongoing engagement with first‑ and second‑line business and risk partners.
Responsibilities
- Maintains a working knowledge of sound lending practices, lending regulations, and the bank’s loan policy and underwriting guidelines.
- Reviews credit exposures to provide assurance of compliance with Regions' credit policies, and safe and sound banking practices.
- Participates and/or takes a leadership role in credit risk review examinations, which may include horizontal reviews across lines of business and geographies.
- Develops and maintains positive working relationships with line of business management, credit risk management, audit staff, and other departments.
- Analyzes trends in key quality and performance metrics, reviews transactions, and assesses processes associated with the origination and servicing of assigned loan portfolios.
- Identifies and monitors the evolution of key risk direction drivers for assigned portfolios.
- Performs ad hoc analysis of credit risk issues independently, frequently requiring aggregation of transaction data through the use of spreadsheet or database software.
- Maintains specialized knowledge, as required for assigned lines of business, which may include expertise required to assess periodic validation of credit scoring models, understanding portfolio valuation techniques, etc.
- Proposes appropriate ratings and risk direction assessments and participates in developing findings and conclusions, presenting results to senior managers, and completing written reports within departmental guidelines.
- Maintains documentation to support review process and findings.
- Maintains a thorough knowledge of credit risk review procedures, sound lending practices, credit policies, and regulatory requirements.
- Offers advice and guidance to junior examiners, assisting in the development of necessary skills and the promotion of continuous improvement initiatives.
- Collaborates with senior management in the development of team goals and objectives, ensuring consistent achievement.
- May serve as the lead examiner for assigned line(s) of business for continuous monitoring of credit risk conducted between examinations.
Requirements
- Bachelor’s degree in a related field.
- Seven (7) years of credit‑related experience, or five (5) years of third‑line‑of‑defense credit risk assurance, regulatory, or credit approval/management experience.
- Experience writing risk management review reports.
Skills and Competencies
- Ability to learn additional systems as needed.
- Ability to research, analyze data, and derive facts.
- Ability to work in a team environment when applicable.
- Ability to work well autonomously, with limited guidance.
- Ability to work well under pressure and meet deadlines.
- Proficiency in Microsoft Office Suite (Excel, Word, PowerPoint, Outlook, etc.).
- Strong organizational skills.
- Strong verbal and written communication skills.
- Strong work ethic and self‑motivation.
Pay
Target salary range: $105,729.80 – $150,740.00 USD (Metropolitan Statistical Area market range). This position is exempt from timekeeping requirements under the Fair Labor Standards Act and is not eligible for overtime pay. The role is eligible to participate in the annual discretionary incentive plan, with awards based on individual, business, and/or company performance.
Benefits
- Paid Vacation/Sick Time
- 401K with Company Match
- Medical, Dental and Vision Benefits
- Disability Benefits
- Health Savings Account
- Flexible Spending Account
- Life Insurance
- Parental Leave
- Employee Assistance Program
- Associate Volunteer Program
Location: Riverchase Complex North Building, Hoover, Alabama.