Credit Risk Officer II

## Credit Risk Officer IIApplylocations:
Charlotte, NC:
Nashville, TN:
Atlanta, GAtime type:
Full time posted on:
Posted Todaytime left to apply:
End Date:
August 17, 2026 (30+ days left to apply) job requisition :
R69733
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** GENERAL FUNCTION:
** Pursuant to the Bancorp Risk Framework, executes credit risk management strategies and policies, exercising  independent judgement and providing constructive and credible challenge to credit risk recommendations, credit risk portfolio management and monitoring, approves credit exposure, providing feedback on proper structuring and pricing. Monitors ongoing credit administration and attends LOB pipeline meetings to ensure credit standards are followed across assigned business segment.

Participant in customer calls as needed. Monitors credit quality through forward looking analysis as well as reviewing system-generated reports.

Responsible and accountable for credit risk management and constructive, credible challenge by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined. Accountable for always doing the right thing for customers and colleagues, and ensures that actions and behaviors drive a positive customer experience. While operating within the Bank’s risk appetite, achieves results by consistently identifying, assessing, managing, monitoring, and reporting risks of all types.
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* ESSENTIAL DUTIES & RESPONSIBILITIES:

*** Approve or reject most complex loans within delegated authority and approved risk limits including where difficult questions of policy or credit risk may be involved.
* With Line of Business (LOB) input, ensures that policies, including enterprise level policies, appropriately reflect the Bank’s credit risk appetite and are approved and reviewed in an appropriate and timely manner.
* Advise credit and loan personnel on the company's overall policy, noting significant forward looking trends and recommending policy changes if necessary.
* Provide necessary forward looking review for ongoing maintenance of credit exposure as applicable.
* Review and challenge credit approval packages for loans approved within the LOB’s lending policies, limits, appetite, and delegated authorities.
* In event of a limit breach, collaborates with the LOB to develop and execute action plans to return the relevant credit exposure to a level within credit risk appetite.
* Responsible for providing effective, credible challenge on client selection, risk identification/mitigation, and adherence to risk appetite, policies, and underwriting standards.
* Credit Risk Officers may participate in LOB deal screens to ensure engagement and provide early constructive feedback on opportunities.
* Review periodic Bancorp credit quality reports to assess assigned LOB’s adherence to the Bank’s credit risk appetite and business objectives.
* Attend and provide effective, credible challenge to the LOB in various meetings including administrative loan meetings, portfolio review meetings, etc.
* Provide information, analysis, and credit risk and portfolio recommendations to the Senior Credit Officer.
* Represent Bancorp in high-level customer interaction as well as community affairs.
* Adjudicate requests to change regulatory classifications both for upgrades and downgrades.
* Responsible for oversight and challenge to the LOB regarding the timeliness of transfers to the Special Assets Group.
* Accountable for the following as it relates to a portfolio review:  + Using both internal and external data to identify portfolio trends such as increasing concentration risks, increasing industry risks, increasing material underwriting exceptions and emerging risks.  + Determining a Direction of Risk (DOR) and Level of Risk (LOR) for the portfolio, together with actions that should be taken to reduce risk or strengthen risk management ensuring that, amongst other things, lessons learned are identified and operationalized where appropriate.
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* SUPERVISORY RESPONSIBILITIES:

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