Financial Institutions Department - Credit VP

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.
  • Perform annual file reviews.
  • 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 if needed.
  • Participate in special projects and other duties as assigned.
  • Generate monthly reporting items for CRC and regulatory required items.
• 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.
  • Performing quality assurance and editorial function for the credit recommendation report and proposal.
• Customer Service:
  • Liaison functions for FI customers and relevant business departments to resolve their inquiries.
  • Actively support new type of customer and new product onboarding.
• Other Duties:
  • This job description reflects management's assignment of essential functions, and it does not prescribe or restrict the tasks that may be assigned.

Qualifications

• Bachelor’s degree in business, accounting, computer science, economics, mathematics, finance or statistics required; Master’s degree preferred.
• At least 3-5 years of experience in credit risk management required.
• Knowledge of credit risk, financial and statistical analysis.
• Knowledge of credit administration, policies and procedures, and regulatory compliance.
• PC proficiency utilizing a variety of software packages including Microsoft Office Suite.
• Effective credit report writing skills.
• Strong desire to proactively identify gaps/inefficiencies in existing processes and work towards resolving.
• Excellent written and verbal communication and interpersonal skills required.
• Must be multi-tasked to be able to work in a fast pace environment.
• Ability to deal with all levels of personnel in a courteous and efficient manner.
• Must be organized and detail orientated with follow-up skills.

Pay

Actual salary is commensurate with candidate’s relevant years of experience, skillset, education and other qualifications. USD $110,000.00 - USD $230,000.00 /Yr.