Credit Review Officer

## Credit Review Officer Apply locations:
Dallas, TXtime type:
Full time posted on:
Posted Yesterday job requisition :
JR105629

Texas Capital is built to help businesses and their leaders. Our depth of knowledge and expertise allows us to bring the best of the big firms at a scale that works for our clients, with highly experienced bankers who truly invest in people’s success — today and tomorrow.

While we are rooted in core financial products, we are differentiated by our approach. Our bankers are seasoned financial experts who possess deep experience across a multitude of industries. Equally important, they bring commitment — investing the time and resources to understand our clients’ immediate needs, identify market opportunities and meet long-term objectives. At Texas Capital, we do more than build business success.

We build long-lasting relationships.

Texas Capital provides a variety of benefits to colleagues, including health insurance coverage, wellness program, fertility and family building aids, life and disability insurance, retirement savings plans with a generous 401K match, paid leave programs, paid holidays, and paid time off (PTO).Headquartered in Dallas with offices in Austin, Fort Worth, Houston, Richardson, Plano and San Antonio, Texas Capital was recently named Best Regional Bank in 2024 by Bankrate and was named to
* The Dallas Morning News*’ Dallas-Fort Worth metroplex Top Workplaces 2023 and Go Banking Rate ’s 2023 list of Best Regional Banks. For more information about joining our team, please visit us at  Brief Overview of Position Credit Review is an independent contributor to the second line of defense for Texas Capital Bank and provides credit assurance and advisory services to senior management and the Board of Directors.  

The Credit Review Officer will assume a critical role in the Bank’s expanding internal Credit Review organization whose mission is to help ensure the financial soundness of the Bank by independently identifying, assessing, and escalating credit risks to the Board and other key stakeholders.  To provide for independence, Credit Review reports functionally to the Risk Committee of the Board of Directors and administratively to the Chief Risk Officer.##

## Responsibilities* ## Manage and execute all stages of credit reviews (both continuous reviews and targeted reviews, as well as continuous monitoring of assigned business units). Complete analyses in conformance with established Credit Review procedures and regulatory guidelines.* ## For all reviews, analyze credit memos for complex lending transactions to:  + ## Determine if credit analysis was sufficiently thorough and conclusions were reasonable.

This includes evaluating underwriting quality, covenant structures, guarantees, collateral, borrowing base formulas, and repayment terms across multiple lending segments.  + ## Ensure that loans adhere to credit policy and to regulatory guidelines. Document conclusions clearly and concisely.  Communicate analysis results to senior business management, Credit Administration, and the regulators.  + ## Verify that risk ratings have been assigned accurately and updated timely.

Assess and validate risk rating components within the bank’s dual risk rating framework; recommend and defend rating changes with clear, data-supported rationale.* ## Prepare reports detailing conclusions and hold discussions with senior business unit management, Credit Administration, and other units or functional areas under review. Secure from business line managers the appropriate remediation plans for identified issues and follow through to validate completion of remediation and effectiveness of remediation solutions.
* ## When acting as Lead Reviewer for a targeted review, guide the review team to ensure key planning, fieldwork and report issuance milestone dates are met.* ## Identify gaps in credit policy, credit processes, and risk rating models.* ## For continuous monitoring, perform ongoing monitoring of the key credit related activities for assigned business units, including attending periodic portfolio focused meetings.

Prepare quarterly reports assessing the business unit's…