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Doral

    Sr Credit Risk Review Officer - Doral, United States - Seacoast Bank

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    Description

    JOB SUMMARY:


    Under the direction of the Director and/or Credit Risk Review Manager, the Credit Review Officer participates in the assessments of the Bank's commercial lending units to assess overall asset quality, risk and compliance with established underwriting policies, procedures, limits, and concentrations.

    Assess the quality, quantity, direction, and overall credit risk in the organization through planned vertical and horizontal reviews, oversight of portfolio monitoring functions such as watched assets reviews, portfolio reviews, new origination reviews, credit risk trends and other portfolio monitoring reporting.

    Provide objective assessments of credit risk management effectiveness, underwriting and credit analysis, portfolio monitoring, and problem loan management. Incumbent may lead smaller reviews as assigned, inclusive of preparation of summary, findings, and recommendations.

    Incumbent may contribute to synthesize multiple pieces of information with review findings to perform overall analysis of the area reviewed.


    ESSENTIAL DUTIES AND RESPONSIBILITIES:
    Participate in Credit Review examinations.

    Assist in the necessary sampling, define scope and type of review.

    Review required documentation for loan review testing, inclusive of credit file reviews and complete necessary line sheets.

    Prepare written summary report of findings/observations.

    Communicate findings to Line of Business, Senior leadership.

    Assess asset quality, status, and appropriateness of existing risk controls/compliance with established underwriting policies/risk tolerance.

    Ensure underwriting credit analysis is sound and justifies/mitigates the identified credit risk.

    Ensure credit culture is consistent throughout organization and represents approved credit risk appetite.

    Assess risk rating integrity and timeliness of rating changes.

    Ensure appropriate specific reserves are in place and charge-off are taken timely.

    Ensure appropriate workout and pre-workout strategies are identified, tracked, and validated.

    Follow up and track recommended Issue remediation from prior reviews.

    Review various management credit risk reporting to identify emerging risks.

    Perform continuous monitoring of the Bank's portfolios through participation in quarterly reviews, horizontal exams and/or attend portfolio management meetings.

    Monitor historical performance through review of various credit metrics and credit risk reporting.


    Determines the accuracy of assigned internal credit risk ratings, non-compliance with Bank policies and procedures, loan weaknesses so that timely corrective actions can be taken, violations of laws and regulations and inadequate credit/collateral documentation.

    Identifies, recommends, and effects process changes related to credit risk management activities.

    Interprets and evaluates Loan Policy and assures that proper credit controls are in place to appropriately manage credit risk. Monitors adherence to such policies and validates that exceptions are adequately identified, mitigated, and properly approved.

    Maintains awareness of the current regulatory/industry trends impacting the Bank's credit areas.

    Promotes teamwork within the department to ensure that knowledge and experience is shared among team members.

    Prepares departmental reports and other portfolio reporting as requested by management.

    Completes all required training and special projects as requested.

    Proficient writing skills to effectively communicate in a clear, concise, and persuasive manner.

    Ability to evaluate all facts independently and objectively before making decisions.

    Listens well and is willing to consider the opinion, perspectives of others.

    Ability to make sound decisions and to recognize potential problems and propose recommendations for corrective action.

    Must be well-organized, accurate, and attentive to detail.

    Self-starter and able to work independently.


    Ability to interact with Senior Leadership Team, Commercial bankers, Underwriters, Credit analysts, Credit Administrators, and other management when appropriate and under the direction of the Director of Credit Risk Review.

    Cooperative and wiling to assist others.

    Willing to take advantage of training opportunities as available to enhance knowledge and job skills.

    Professional in appearance.


    This job description in no way states or implies that these are the only duties to be performed by the employee in this position.

    The employee will be required to follow any other job-related instructions and to perform any other job-related duties requested by the Credit Risk Review Manager or Director & Head of Credit Risk Review.

    Adhere to Seacoast Bank's Code of Conduct.

    EDUCATION and/or


    EXPERIENCE:
    College degree, (BA/BS) Accounting/Finance/Economics/Business or equivalent.

    Formal credit training desired.


    5-7+ years banking experience, preferably concentrated in commercial credit risk functions, commercial loan review, regulatory environment or commercial lending and underwriting.

    Excellent written and verbal communication skills, exceptional understanding/competency in regulatory matters and compliance.

    Strong working knowledge of Commercial Loan policies/procedures.

    Strong working knowledge of select commercial business segments.

    Strong working knowledge/ industry expertise of regulatory matters.

    Ability to effectively interact and communicate with peers and with senior management across the Bank.

    Thorough knowledge and operational skills in the use of personal computers and various software packages, including MS Office applications.

    Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities


    The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant.

    However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information.

    41 CFR c)
    #J-18808-Ljbffr


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