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United Bank · 20 hours ago

Credit Risk Review Officer

Charleston, SC

Full-time

Onsite

Senior Level

$84K/yr - $148K/yr

5+ years exp

United Bank is committed to nurturing a culture that reflects the communities it serves, and they are seeking a Credit Risk Review Officer to assist in the supervision of the Risk Management department. This role involves assessing credit risk, identifying problem credits, and training review staff to ensure sound credit risk management practices.

BankingCredit CardsFinancial ServicesLendingVenture CapitalWealth Management

Responsibilities

Monitors and reviews internal reporting on risk matrix thresholds and industry or geographic risk assessments to promote early detection of credit culture or portfolio deterioration

Stays informed regarding federal regulations pertaining to the lending function of the Bank, and industry or geographic analysis and expectations pertaining to the United’s loan portfolio

Aides the loan review staff in identifying additional information needed to complete a review or in discussions with account officers

Assesses, along with the department, Credit Administration’s policies, practices and procedures to ensure that sound credit risk management is practiced, and offers constructive solutions to areas where risk may need to be addressed

Serves as an information resource for management, internal and external auditors, and regulators

Maintain all essential functions and duties; as well as all responsibilities and expectations of a Senior Loan Review Specialist. Particularly, performs reviews on the most complex credits/relationships within the bank’s portfolio

Assists in the training and supervision of all Loan Review and Senior Loan Review Specialists

Develops reviewers’ skills by providing guidance, direction and critiques of draft line sheets on less complex credits

Aids in sample selection

Serves as an information resource for management, internal and external auditors, and regulators

Conducts Reviewer in Charge (RIC) responsibilities, on an as needed basis, for medium to large commercial loan reviews

Identifies and communicates potential systemic issues noted for the individual credits assigned, quarterly reviews, and the UBSI portfolio overall

Participates in Exit Meetings with management, on a as needed basis

Qualification

Financial analysisCredit underwritingLoan Review experienceAdvanced accounting knowledgeMicrosoft Office proficiencyAnalytical thinkingAccountabilityTechnical writingOrganizational skillsProblem solving