Credit Risk Review Officer

Overview

Summary Analyzes credit data and financial statements of individuals and/or firms to determine the degree of risk involved for the administration of an effective post-closing annual credit review function for the bank as well as daily management support of assigned covenant compliance tests for commercial clients by performing the following duties.

Essential Duties and Responsibilities include the following.

• Performs annual reviews on credit relationships of $2,500,000 and greater.
• Identifies and analyzes areas of potential risk to the assets, earning capacity, or success of organization (including but not limited to more complex credits).
• Gathers risk-related data from internal or external resources in order to analyze credit data and financial statements to determine the degree of risk involved.
• Performs and administers the loan agreement covenant compliance monitoring system by reviewing and interpreting confidential financial statements, tax returns and supporting schedules to be used for covenant tests for borrowers and/or guarantors bank-wide based on their existing business loan agreements.
• Responsible for determining if covenant violations exist, and if so, immediately advises and works with the Relationship Manager to resolve the violations and to ensure credit is properly risk-rated.
• Assists relationship managers in assessing covenants and monitoring procedures.
• Consults with Relationship Managers and Credit Officers to make recommendations on risk ratings.
• Ensures Compliance with related SOX Controls.
• Provides support for borrowing base certificate monitoring process as needed.
• Recommends changes and new procedures to improve efficiency in existing processes and procedures.
• Assists Credit Risk Management Department as needed to carry out objectives.

Additional Duties may include the following.

• Provides additional assistance as needed by Credit Risk Manager.

This job has no supervisory responsibilities.

• Analytical and Design:
  Synthesizes complex or diverse information;
  Collects and researches data;
  Demonstrates attention to detail.
• Problem Solving:
  Gathers and analyzes information skillfully;
  Works well in group problem solving situations.
• Project Management:
  Completes projects on time and budget.
• Interpersonal Skills/Customer Service:
  Maintains confidentiality;
  Listens to others without interrupting;
  Remains open to others  ideas and tries new things;
  Responds promptly to customer needs;
  Responds to requests for service and assistance;
  Meets commitments.
• Oral and Written Communication:
  Speaks clearly and persuasively in positive or negative situations;
  Listens and gets clarification;
  Responds well to questions;
  Writes clearly and informatively;
  Edits work for spelling and grammar;
  Presents numerical data effectively;
  Able to read and interpret written information.
• Teamwork:
  Balances team and individual responsibilities;
  Contributes to building a positive team spirit;
  Puts success of team above own interests.
• Business Acumen:
  Understands business implications of decisions.
• Organizational Support:
  Follows policies and procedures;
  Completes administrative tasks correctly and on time;
  Supports organization s goals and values;
  Supports affirmative action and respects diversity.
• Judgment:
  Displays willingness to make decisions;
  Exhibits sound and accurate judgment;
  Supports and explains reasoning for decisions;
  Includes appropriate people in decision-making process;
  Makes timely decisions.
• Planning/Organizing:
  Prioritizes and plans work activities;
  Uses time efficiently.
• Professionalism:
  Approaches others in a tactful manner;
  Reacts well under pressure;
  Treats others with respect and consideration regardless of their status or position.
• Quality and Quantity:
  Demonstrates accuracy and thoroughness;
  Completes work in timely manner.
• Adaptability and Initiative:
  Adapts to changes in the work environment;
  Asks for and offers help when needed.
• Attendance/Punctuality and Dependability:
  Is consistently at work and on time;
  Arrives at meetings and appointments on time;
  Follows instructions, responds to management…