Financial Institutions Department - Credit AVP/Associate

Responsibilities

• Credit Portfolio Maintenance/Credit Officer:
  • Conduct in-depth thorough analysis of new credit requests, credit change requests, renewals and annual customer relationship reviews
  • Report any findings that may have an adverse effect on loan collateral or borrower’s ability to pay/repay the loan
  • Present detailed credit analysis to relevant parties (e.g. Loan Officers)
  • Ensure all credit files are complete with supporting documentation
  • Update CRR and Credit usage tracker
  • Complete any credit related tasks/assessments requested by 2nd line in a timely manner
  • Participate in internal and external audit request, and take remediation actions is needed
  • Participate in special projects and other duties as assigned
• Credit Review and Ongoing Screening:
  • Conduct due diligence on CRR entities in accordance to bank policies, procedures and regulatory requirements
  • Report any unusual credit activities to supervisor and Department Head
  • Review loan files as needed to ensure quality, consistency, and compliance with regulatory requirements
  • Perform quality assurance and editorial function for the credit recommendation report and proposal
• Customer Service:
  • Perform liaison functions for FI customers and relevant business departments to resolve their inquires
  • Actively support new type of customer and new product onboarding

Qualifications

• Bachelor’s degree in business, accounting, computer science, economics, mathematics, finance or statistics required; Master’s degree preferred
• At least 4 years of work experience of credit risk management required for AVP; At least 1 year of work experience of credit risk management required for Associate
• Excellent written and verbal communication and interpersonal skills required
• Must be organized and detail orientated with follow-up skills
• Knowledge of credit risk, financial and statistical analysis, credit administration, policies and procedures, and regulatory compliance is required
• Effective credit report writing skills required

Pay

Pay Range: USD $42,000.00 - USD $150,000.00 /Yr.