Sr. Manager, Loan Review - C&I

Job Description Summary

Analyze credit proposals and customer characteristics to determine credit worthiness and appropriate terms for approval in accordance with policies and risk appetite.

Conduct credit risk assessments on loan portfolios within Raymond James Bank (RJB) and Tri State Capital Bank (TSCB). Reviewable entities include Commercial Lending (CRE, REIT and C&I), Private Bank Lending and Shared National Credits (SNC). Evaluate loans for adherence to the Bank’s credit underwriting standards, policies, procedures, guidelines and regulatory requirements, including completeness of documentation/files.

• Develop quantitative analysis to assess credit risk at the portfolio level.
• Perform independent loan reviews to evaluate the creditworthiness of the borrower.
• Analyze financial statements and other required data provided in the credit file to ensure that risk rating is appropriate and upgrades/downgrades are done in a timely manner in line with bank policies/procedures and regulatory requirements.
• Discuss all noted deficiencies and identified weaknesses, and any existing or planned corrective actions, including time frames for correction, with appropriate loan officers and managers.
• Assist in preparing reports summarizing portfolio quality and risk issues with recommended corrective action.
• Maintain a level of understanding of credit risk policies/requirements, regulatory expectations and contribute to improving effectiveness and efficiency of the credit risk analysis processes/methodologies.

• Strong credit skills with experience in Corporate Lending (CRE, REIT, C&I) and/or Private Bank Lending (Residential Mortgages, Securities Based Loans and/or Structured Loans).
• Financial statement analysis including comprehensive understanding of balance sheet, income statement and cash flow drivers impacting critical credit risk metrics.
• Experience in evaluating or assigning risk ratings.
• Knowledge of regulatory definitions and classifications of loans.
• Working knowledge of lending practices, policies, procedures, disclosures and terminology related to banking laws, regulatory requirements and legal documents.
• Well-developed interpersonal and written/verbal communication skills demonstrating the ability to communicate effectively, clearly and persuasively in a variety of settings, formats and audiences.
• Strong organizational, time management and follow-up skills, demonstrating a strong sense of urgency and ability to execute quickly, timely and efficiently.
• Ability to multi-task and decide key priorities with confidence, motivation, decisiveness and flexibility.
• Demonstrated ability to collaborate, influence and manage competing priorities across the organization.

• Bachelor’s degree in Business, Economics, Accounting or Finance with at least seven (7) years of experience in CRE or C&I lending, credit/loan review and/or similar position requiring strong business knowledge and credit judgment.

Work Experience – General

Experience:

6 to 10 years.
Certifications – Other Certification Not Listed – Other.
Salary Range – $–$.
Travel – Less than 25%.
Workstyle – Remote.

The total compensation for this position includes base salary or wages, and may include components such as additional compensation (cash or equity), discretionary bonuses, or commissions. The position is eligible for a benefits package that may include medical, dental, and vision; life insurance; critical illness insurance and accident insurance; disability benefits; retirement savings; paid time off (including vacation, holidays, and sick leave);

and parental leave. Eligibility for benefits and specific offerings may vary based on position and employment status. To view more details of the benefits offered, visit

• Grow professionally and inspire others to do the same.
• Work with and through others to achieve desired outcomes.
• Make prompt, pragmatic choices and act with the client in mind.
• Take ownership and hold themselves and others accountable for delivering results that matter.
• Contribute to the continuous evolution of the firm.

The Company is an equal opportunity employer and makes all employment decisions on the basis of merit and business needs.