Seacoast Bank · 13 hours ago
Credit Risk Review Analyst
Miami, Florida, United States
Full-time
Onsite
Mid, Senior Level
3+ years expSeacoast Bank is a financial institution seeking a Credit Risk Review Analyst to assist the Credit Risk Review team in providing independent assessments of credit risk management. The role involves conducting risk assessments, preparing credit reviews, and ensuring compliance with lending policies and regulations.
BankingFinancial ServicesLending
Responsibilities
Conduct regular risk assessments to assess the quantity of credit risk, quality of credit risk management, aggregate credit risk and direction of credit risk in accordance with regulatory guidance for an assigned portfolio of facilities
Assist in the planning and preparation of credit reviews as directed
Complete individual credit reviews for all divisions including, but not limited to, reviewing loan terms and structures, analyzing borrowers/guarantor/counterparty financial performance, assessing economic/industry operating environment, and other relevant risk factors
Assess the accuracy of regulatory classifications, internal risk ratings, probability of default (PD) and loss given default (LGD) analysis and recommend changes as necessary
Ensure all credit extensions have been made in compliance with lending policies, procedures and U.S. regulatory guidance and identify deficiencies in credit processes
Discuss potential issues with responsible account officers, credit officers, CRR management and other relevant stakeholders as necessary and/or directed
Prepare review reports of examination based upon CRR guidelines, as necessary
Verify adequacy of the Current Expected Credit Loss (CECL) process and reserve levels as necessary
Proactively recommend changes to credit policies and procedures as necessary
Maintain up-to-date knowledge of assigned industries and/or portfolios, regulatory policies and requirements and new/pending laws and regulations and their potential impact on the bank and CRR
Maintain a thorough understanding of bank compliance rules and regulations
Qualification
Required
Bachelor's degree in Finance, Accounting, Economics, or Business Administration or equivalent work experience is necessary
Approximately 3-10 years' experience in credit, credit review and/or credit administration with a financial institution and/or U.S. regulatory agency (OCC, FRB, etc.)
Ability to assess and provide objective insight on various credit processes
Familiarity with a variety of credit products (e.g. corporate credit, commercial real estate, residential mortgages, consumer retail financing, etc.) and willingness to learn new credit products
Ability to work independently with minimal supervision
Excellent interpersonal, communication (verbal and written) and negotiating skills
Proficient in Microsoft Office Suite required
Preferred
MBA or financial certification (CFA, FRM, etc.) is highly desirable
Successful completion of a formal financial services credit training program preferred
Experience at both a financial institution and/or U.S. regulatory agency is highly preferred
Familiarity with SQL, Python or other data analytics tools a plus
Company
Seacoast Bank
Since 1926, Seacoast Bank has succeeded through a clear vision, planned strategic growth and talented, professional employees.
1001-5000 employees
H1B Sponsorship
Seacoast Bank has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2024 (4)
2021 (3)
Funding
Current Stage
Public CompanyTotal Funding
$9.19M2014-12-31Post Ipo Equity· $9.19M
1984-02-03IPO
Leadership Team
Juliette P. Kleffel
Executive Vice President, Chief Operating Officer
Recent News
2025-12-09
Yahoo Finance
2024-12-28
2024-12-28
Company data provided by crunchbase