Credit Review Senior Examiner

Job Description

This job is responsible for performing transaction reviews, including assessing the quality of credit decisions, managing portfolios, and evaluating the effectiveness of credit management processes. Key responsibilities include participating in credit review examinations and continuously testing activities across various portfolios within Enterprise Credit to evaluate credit strategies. Job expectations include supporting conclusions through fact‑based analysis, influencing senior leaders, and leading special projects.

Through examinations and monitoring, Credit Review provides an independent assessment of credit decisions and the effectiveness of credit processes across the bank’s credit platform, identifies existing and emerging risks, and reports its findings to various stakeholders, including executive management, the Board of Directors or committee thereof, external auditors and regulatory agencies.

Participates in credit review examinations and continuous testing activities across various commercial credit portfolios within Enterprise Credit. The Sr. Examiner will work with examination teams to assess the quality of credit decisioning, portfolio management, risk recognition practices and the effectiveness of credit management processes. This individual will also assist in the continuous testing of various portfolios by performing transaction reviews of new and existing clients to evaluate appropriateness of client selection, adherence to underwriting expectations, quality of ongoing monitoring and risk rating accuracy to proactively identify emerging risks and their impact on portfolio credit quality.

The Sr. Examiner is generally tasked with the review of more complex transactions. Lastly, may be asked to lead special projects in addition to testing responsibilities in order to support team goals related to exam activities, issues management, reporting, etc. This specific role will support ongoing testing and assessments of structured transactions and counter party credit risk within Global Markets, Financial Institutions and Global Wealth and Investment Management portfolios.

• Performs transactional testing of credit process execution of new and existing clients
• Supports conclusions through fact‑based analysis, proposing suggestions and influencing senior leaders
• Participates in examination activities, occasionally leading exams
• Identifies, assesses and reports on existing and emerging risks
• Drive culture of continuous improvement by leading or participating in complex or multiple projects
• Achieve continuous testing goals by producing quality, timely work
• Maintain well‑written, easy to follow work papers in accordance with Credit Review guidelines and best practices
• Raise potential areas of concern for QA team to review
• Actively engage with Corporate Audit to ensure ongoing awareness of review activity, coordination, and ongoing risk assessment
• Support enterprise initiatives related to operational excellence and adoption of AI tools to continuously improve work processes

• Bachelor’s Degree with a preference in finance, accounting, economics or other business concentration
• Solid, time‑served commercial credit experience (direct lending, workout, risk management and/or regulatory)
• Ability to support conclusions through fact‑based analysis and influence senior leaders
• Excellent credit analysis, project management and leadership skills
• Strong organizational and communication skills, both written and verbal
• Ability to manage multiple complex tasks while delivering high quality results
• Expert financial analysis skills
• Deep knowledge of loan structuring and underwriting
• Experienced in credit and risk assessment
• Issue management and resolution
• Strong knowledge of regulatory compliance
• Excellent skills in building and maintaining business relationships

• 10+ years of direct commercial credit experience
• Demonstrated experience in identifying, assessing and reporting on existing and emerging risks
• Experience with direct applicability to Credit Review responsibility
• Ability to coach/mentor new or less experienced…