Vice President, Credit Risk Analyst
The Vice President, Credit Risk Analyst will conduct various types of credit analysis on loans and perform the annual review of credit limits. In addition to administer and maintain superb relationships with Financial Institutions to expand the bank's customer base and increase the business with each in correspondent in accordance with established policy and procedures. Coordinate with LCD, CRM and IAD to ensure the bank relationships follow the most up-to-date OCC and other regulations.
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 is 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 requirementsReport any unusual credit activities to supervisor and Department HeadReview loan files as needed to ensure quality, consistency, and compliance with regulatory requirementsPerforming quality assurance and editorial function for the credit recommendation report and proposalCustomer Service
Perform liaison functions for FI customers and relevant business departments to resolve their inquiresActively support new type of customer and new product onboardingOther 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 preferredAt least 3-5 years of experience in credit risk management requiredKnowledge 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 requiredMust be multi-tasked to be able to work in a fast pace environmentAbility to deal with all levels of personnel in a courteous and efficient mannerMust be organized and detail orientated with follow-up skillsPay Range
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.