Senior Credit Review Officer-Consumer

Credit Review Officer Sr- Consumer

The Credit Review Officer Sr- Consumer is responsible for evaluating the credit risk embedded in Bank assets. The candidate will possess a detailed working knowledge of the methodologies and techniques for performing credit risk review engagements and continuous monitoring activities associated with a strong independent credit review function.

Duties and Responsibilities :

• Reviewing, analyzing, and assessing individual loans to determine (a) the comprehensiveness, quality, and sufficiency of loan origination and credit action underwriting packages, (b) confirming that customer profiles are consistent with business segment(s) credit risk appetite, front end guidance, and / or preferred client profile, (c) analyze data for proper rank order of risk.
• Effectively communicate and interface with Credit Review colleagues, business segment and credit support constituent colleagues. and other Risk Management colleagues.
• Review and assess multiple specialized lending portfolios and large and complex loan relationships
• Independently lead the review of its credit portfolios and credit processes and write a report of findings.
• Provide HBI senior management with a periodic formal report regarding business unit(s) and the quality of the portfolio(s) in terms of the adequacy of portfolio and loan monitoring and management practices, potential emerging risks, notable asset quality directional trends, and an assessment of overall credit risk management practices.
• Mentor, train, and oversee other Credit Review colleagues to insure individual obligor file review observations are comprehensive and accurate.
• Responsible for the development of various management and board level committee materials and related coordination.
• Assists in the development of credit review professionals, responsible for identifying and facilitating SME-based training.
• Develops and maintains working relationships with bank management, regulatory agencies, and the broader credit review team in order to effectively and efficiently execute review responsibilities.
• Provides senior management with information regarding the identification, measurement and management of credit risk for assigned business units.
• Represents Credit Review in credit quality, segment risk, and related meetings with business segments.
• Manages multiple engagements / projects simultaneously.
• Perform other duties as assigned.

Basic Qualifications :

Preferred Qualifications :

Compensation Range : $93,000-$189,000 Annually