Senior Credit Risk Review Officer

Job Title:

Senior Credit Risk Review Officer

Scottsdale

As a Senior Credit Risk Reviewer, you will plan and execute quarterly continuous credit file examinations and/or process reviews for assigned reviewable business units and participate in other review assignments. You will perform and lead activities that evaluate commercial loan transactions and perform assessments of underwriting and portfolio management to independently provide feedback on the adequacy of underwriting analyses, accuracy and timeliness of risk grading decisions, appropriateness of credit mitigation actions, and the effectiveness of the credit management process and key controls supporting credit quality.

You will independently monitor credit risk trends within assigned commercial lending risk segments, attend relevant meetings, and develop and maintain relationships with internal stakeholders responsible for credit approval. This position reports to a Credit Risk Review Director and is located in one of the following locations:
Scottsdale, AZ, Reno, NV, Las Vegas, NV, or Dallas, TX.

Internal Credit Risk Review is a department within the Bank's second line of defense for credit risk management known as the Credit Risk & Review Group. The independent Credit Risk & Review Group's mission is to help ensure the financial soundness of the Company by identifying, assessing, and escalating credit risk to the Board and senior management, and to drive continuous improvement in the quality of the bank's credit risk management consistent with the risks and complexities of its loan portfolio.

To execute its mission, our Group is organized in two separate, but synergistically collaborative teams comprised of Internal Credit Risk Review and Credit Risk Oversight.

• Lead continuous quarterly credit file examination activities and process review engagements and execute quarterly analyses of the credit quality trends of the loan portfolios of assigned reviewable units or risk segments.
• Review all pertinent credit and financial information, including business and personal financial statements, spreadsheets, cash flow analyses, and other sources, as applicable, and properly assess borrower risk profiles and risk grades of each loan/lending relationship reviewed.
• Perform proper risk-based sampling techniques for scoping continuous quarterly file examinations and determine the need for expanding scope and adjusting exam procedures, as appropriate.
• Guide less experienced reviewers in determining the accuracy of assigned risk ratings and analyzing borrower risk attributes and risk factors.
• Maintain a strong working knowledge of a variety of industries and specialty lines of business (e.g., commercial real estate, equipment leasing, mortgage warehouse lending, gaming, technology, life sciences, HOA, franchise lending, sponsor finance, leveraged lending, etc.). Demonstrate an excellent knowledge of regulatory requirements and expectations pertaining to credit risk management and ensure consistent application of enterprise-wide Credit Policy, as well as Credit Risk & Review Group Policies and Procedures.
• Assist in performance and completion of special projects as may be assigned on an ad hoc basis.

• 3+ years of related experience in Risk Management, Credit Risk & Review Group or similar field.
• Bachelor's degree in related field required.
• Intermediate to advanced knowledge of general banking operations, including deposit operations, loan administration, treasury management and/or other commercial banking products and services.
• Intermediate to advanced knowledge of applicable regulatory and legal compliance obligations, rules and regulations, industry standards and practices.
• Intermediate to advanced knowledge of accounting, financial statements and tax returns, and cash flow analyses, as well as a highly refined ability to make insightful comments relating to a borrow's current and prospective credit risk profile.
• Intermediate to advanced knowledge of analytical and problem-solving skills are required.
• Ability to understand business and industry concepts in order to develop and suggest intelligent, viable solutions to…