Credit Review Officer II

Credit Review Officer II

The Credit Review Officer II leads and conducts complex evaluations of credit risk across various departments, markets, regions, and unique loan scenarios, ensuring compliance with departmental and professional standards. This position oversees and executes comprehensive credit review procedures, prepares accurate and well-documented reports, and effectively communicates findings and recommendations for corrective actions to management.

Essential Duties And Responsibilities :

• Provides project leadership, general guidance, and mentoring to other team members.
• Manages multiple concurrent credit reviews and projects.
• Serves as the Examiner-in-Charge (EIC) for credit examinations with outstandings up to $2B, leading reviews as the principal examiner.
• Plans, conducts, and / or leads complex credit risk reviews across various departments, markets, regions, and unique loan scenarios, in accordance with departmental and professional standards.
• Performs and / or oversees credit risk reviews to identify risks, evaluate the effectiveness of internal controls, and assess compliance with policies, procedures, laws, and regulations.
• Prepares concise, well-organized working papers that accurately reflect the results of credit reviews.
• Evaluates work prepared by other team members to ensure sound loan review practices and compliance with departmental and professional standards.
• Ensures timely and budget-compliant completion of assigned Credit Review tasks.
• Drafts reports summarizing the results of credit risk reviews.
• Conducts exit meetings with Regional Presidents and Executive Leadership to discuss findings and recommend corrective actions to address deficiencies and mitigate risk.
• Follows up with management to ensure appropriate resolution of Credit Review findings.
• Provides ongoing guidance and mentorship to team members.
• Maintains open communication with Credit Review clients throughout the review process regarding procedures, progress, and potential findings.
• Assists with the coordination and completion of external regulatory and third-party examinations.
• Stays informed of significant changes and emerging issues in the banking industry related to credit risk and regulatory requirements.
• Completes required compliance training and other relevant training related to Credit Review, compliance, and business skills.
• Performs other duties or special projects as assigned to support overall company objectives.
• Assists the Credit Review Team Manager with Credit Review planning and the quarterly risk assessment process.

Qualifications :

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and / or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Knowledge, Skills And Abilities :

Education And / Or Experience :

Physical Demands And Working Environment :

Compensation & Benefits :

We offer a competitive total compensation package including base salary and benefits. The anticipated pay range for this position is $91,300 to $150,700 per year in WA and depends on a variety of non-discriminatory factors including, but not limited to, job-related knowledge, skills and experience, education, and geographic location. Additionally, this role is eligible to receive annual discretionary cash bonuses. Benefits available for this position include, but are not limited to, medical, dental, vision, short-term and long-term disability benefits and life insurance, flexible spending accounts, health savings account, employee assistance program, 401(k), Paid Time Off (new hires accrue at .069 per hours worked which equates to approximately 18 days per year inclusive of paid sick time) and up to 11 paid Federal holidays.

Our company is an equal opportunity employer. Employment here is based solely upon an individual's merit and qualifications directly related to the position. We do not discriminate on the basis of race, color, religion, national origin, ancestry, pregnancy status, sex, age, marital status, disability, medical condition, or any other characteristics protected by law. We make all reasonable accommodations to meet the obligations set forth under the Americans with Disabilities Act (ADA) and state disability laws.