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BBVA · 1 hour ago

Credit Risk Review SVP/Director

New York, NY

Full-time

Onsite

Senior Level, Lead/Staff

$180K/yr - $200K/yr

8+ years exp

BBVA is seeking a Credit Risk Review SVP/Director who will report to the USA Head of Credit Review and manage all aspects of credit risk reviews. The role involves leading reviews, assessing risk ratings, and ensuring compliance with policies while providing expert guidance on credit risk management processes.

AccountingBankingFinanceFinancial ServicesLending

Comp. & Benefits

No H1B

Responsibilities

Lead target reviews, continuous monitoring reviews and risk assessments, including planning, executing and reporting to evaluate risk ratings and ensure compliance with policies, approvals, underwriting practices and monitoring

Perform independent, objective and timely assessment of credit risk ratings and credit risk management process. Identify deficiencies and/or areas of improvement in credit risk procedures and policies and recommend corrective actions where necessary

Evaluate borrower financial performance through the assessment of financial statements and credit risk metrics, including income statement, cash flow statement, balance sheet, capital structure analysis and all base as well as stress-scenario financial projections as required

Maintain in-depth knowledge of all policies and procedures related to lending, credit rating and problem loan monitoring. Proactively recommend changes to policies and procedures as needed

Maintain an excellent working knowledge of Bank credit policies and procedures to measure appropriate adherence. Stays well informed on credit products and structures, industry trends and regulatory changes

Compiles data collected during reviews and interprets the data in narrative and analytical form to present findings to Loan Review and Bank management

Effectively convey difficult or complex information in an easy to understand manner, by providing the big picture and illustrating important linkages

Able to articulate verbal and well written supported opinions of process, procedure and credit risk to senior management to effectively challenge internal risk ratings where appropriate to effectively challenge internal risk ratings where appropriate

Demonstrate a commitment to quality and attention to detail and is accountable for consistency of work products

Serves as an expert resource relative to all Policy and Regulatory matters; knows, understands, and appropriately applies commercial Regulatory guidance

Utilizes skills and abilities to proactively improve Credit Review department process and product

Qualification

Credit risk managementLoan review experienceCommercial lending knowledgeCredit analysisAdvanced Excel skillsCritical thinkingProblem-solving skillsVerbal communicationWritten communicationInitiative