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Company

BankUnited · 8 hours ago

Credit Review Officer - Remote

Hialeah, FL

Full-time

Remote

Senior Level, Lead/Staff

10+ years exp

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Responsibilities

Analyze and review credit files to determine the accuracy of assigned credit risk ratings. Review may include analysis of the borrower's financial statements or other information, evaluation of the source(s) of repayment and the potential for default, reviewing financial statement and/or collateral documentation, and determination of compliance with the bank's lending policies/procedures and laws and regulations.

Evaluate adequacy of and adherence to policies and procedures and sound banking practices.

Identify and review credit weaknesses in loans and/or portfolios reviewed, including specialized or complex loans

Independently recognize market, industry and portfolio trends and their impact.

Identify and communicate emerging and existing portfolio risks on a frequent and timely basis to key stakeholders. Keep abreast of management strategies, trends, strengths and risks of assigned portfolios. Evaluate and report on assigned portfolios on a periodic basis by reviewing and discussing portfolio metrics with line management.

Efficiently develop, monitor and validate Risk Issues to ensure appropriate Management Action Plan execution, timely remediation, and understanding of all outstanding risks within the portfolio.

Conduct examination pre-planning tasks. These tasks include, but are not limited to, conducting management interviews, analyzing portfolio data, partnering with the Credit Review Data Analytics team, developing loan review samples and examination resource budgets, writing pre-exam memorandums and conducting examination kickoff meetings with the examination team.

Assign and manage Credit Review Officer (CRO) workflow, ensuring fieldwork is completed with high quality and according to examination plans and budgeted timelines.

Perform quality control reviews and ensure examination work papers, including electronic documentation, are comprehensive, complete and fully supportive of examination findings and conclusions. Adhere to and champion Credit Review quality controls.

Consolidate examination findings, perform root cause risk analysis and develop formal recommendations to remediate risk concerns.

Plan and lead line of business update and exit meetings.

Effectively communicate examination findings and conclusions with management. Consider feedback and develop formal, clear and concise written Risk Issues where required. As appropriate, draft Credit Review Reports.

Understanding of common structured Investment products (CLO/CMBS/RMBS) is beneficial, but not required

Assist Credit Review leadership with training needs including, but not limited to, mentoring CROs, driving product quality and consistency and best practices.

Make recommendations to improve examination or other Credit Review processes.

May participate and/or lead assigned special projects as needed.

Adheres to and complies with applicable, federal and state laws, regulations and guidance, including those related to anti-money laundering (i.e. Bank Secrecy Act, US PATRIOT Act, etc.).

Adheres to Bank policies and procedures and completes required training.

Identifies and reports suspicious activity.

Supervises function, projects or services and/or one or more employees, as applicable.

Carries out supervisory responsibilities in accordance with the organization's policies and applicable laws.

Responsibilities include interviewing, hiring, and training employees; planning, assigning, and directing work; appraising performance coaching; rewarding and disciplining employees; addressing complaints and resolving problems.

Qualification

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Credit analysisCommercial lendingRisk managementSupervisory experienceFinancial statement analysisCompliance knowledgeCredit reviewMarket trend analysisQuality control reviewsStructured investment productsCredit Review ReportsProblem loan workoutBAI Loan Review CertificationRMA Credit Risk CertificationNational Bank ExaminerChartered Financial AnalystCertified Public AccountantMentoring

Required

Bachelor's Degree and significant and relevant experience as a commercial loan officer, underwriter, credit reviewer, or similar or closely aligned function required

Supervisory experience required

10+ Years Credit and credit analysis experience and have been involved in the analysis of complex corporate lending, commercial real estate, or related fields required, including specialized industries and products (eg Healthcare, Non-Depository Financial Institutions, leveraged lending) required or an equivalent combination of education, experience, and certification/designation required