Mechanics Bank · 1 month ago
Sr. Credit Review Officer
Irvine, California
Full-time
Onsite
Senior Level, Lead/Staff
$85K/yr - $130K/yr
10+ years expMechanics Bank is currently searching for a Sr. Credit Review Officer to join our team. This role leads and executes credit reviews across various commercial and consumer lending portfolios, ensuring high standards of credit quality and compliance with internal policies and regulatory guidelines.
BankingFinancial ServicesWealth Management
Responsibilities
Lead credit review engagements, including planning, execution and reporting
Conduct detailed and independent comprehensive credit file reviews and continuous review activities on assigned portfolio segments using technical subject matter expertise and knowledge
Provide expert analysis and recommendations to Credit Review management, and share insight with the review team
Collaborate with the review team and lending units to clarify potential credit issues and provide feedback
Identify areas of risk and seek ways to assist the Bank in strengthening controls while mitigating risk
Demonstrate independent judgement in evaluating accuracy of financial analysis, loan credit quality, thoroughness of risk identification, appropriateness of loan structure, support of risk rating/credit decision, policy compliance and administrative completeness
Ensure credit reviews are performed in accordance with appropriate standards, policies and procedures, and that the quality of reviews is maintained
Review finding remediation support, including compiling exhibits evidencing remediation
Lead and perform special projects and thematic reviews as requested
Coach, mentor and/or educate other staff as needed. Other duties as directed
Qualification
Required
Minimum of 10 years of experience in credit underwriting and lending required
Minimum of 10 years of experience with a Federal regulatory agency, or a state banking commission, with an emphasis in commercial and business underwriting, mortgage/consumer lending, credit administration and risk management is required
Required: BAI Loan Review Certificate, or RMA/ProSight Credit Risk Certification (CRC), or Actively pursuing CRC certification
Deep understanding of credit risk, regulatory requirements, and financial analysis
Strong analytical, technical and statistical skills – including the ability to collect & interpret data and draw conclusions
Strong process management and problem-solving skills
Awareness of control and risk management principles
Good interpersonal, verbal and written communication skills. Create internal peer relationships that support a culture of trust and partnership within the Bank
Ability to work in a team environment as well as the ability to work independently
Good organizational skills. Ability to manage high-volume workflow, prioritize appropriately and meet deadlines in a timely manner
Uphold confidentiality and privacy of findings in all situations
Computer skills, including Microsoft Office Suite, with advanced level proficiency with Excel
Preferred
4 Year / Bachelor's Degree in Business, Finance, Accounting, Economics or a related field preferred
Experience with commercial credits in amounts up to $30 million
Special Assets Management experience preferred
Experience working for a publicly traded company
Benefits
Medical, prescription, dental, and vision coverage for employees and their eligible family members
Employer paid Employee Assistance Program, Life Insurance, AD&D, and Disability benefits
Health Savings Account with employer contribution
Healthcare and Dependent Care Flexible Spending Accounts and Commuter/Parking Benefit
401(k) and Roth 401(k) with company contribution
529 Education Savings plan, Tuition Reimbursement Program and Student Loan Assistance Program
Supplemental Health plans, Voluntary Legal and Identity Theft Services
11 paid holidays, paid Sick days (accrual of one hour for every 30 hours worked), up to 25 paid vacation days, and 16 hours of paid volunteer time throughout the calendar year
Free personal checking and savings account; Discounted rates on primary residence loan with $0 origination fees (restrictions apply)
Company
Mechanics Bank
Mechanics Bank is a full service community bank that offers a wide range of financial services.
Founded in 1905Richmond, California, USA
1001-5000 employees
Funding
Current Stage
Public CompanyTotal Funding
unknown2022-09-01Acquired
2003-01-10IPO
Leadership Team
E
Edward Downer
Chairman Emeritus
Recent News
2025-10-17
Business Wire
2025-10-17
Company data provided by crunchbase