CREDIT REVIEW OFFICER SR

Commercial Credit Review Officer-Loan Review

The Commercial Credit Review Officer-Loan Review is responsible for evaluating portfolio quality and credit risk management practices within the commercial bank's centralized lending group, regional markets, and specialty business lines while ensuring compliance with bank policy, strategy, and risk appetite. The Sr CRO typically reports to a Credit Review Manager and is expected to operate independently, following Credit Assurance Services (CAS) policy and procedures to perform essential responsibilities and positively influence a sound credit risk management environment. They are highly experienced, exhibit leadership, communicate effectively, able to manage multiple, complex reviews or projects, and expected to adhere with all organizational and ethical standards.

Essential Duties And Responsibilities

• Perform credit reviews of complex commercial relationships across various portfolio segments, including asset-based lending, asset/equipment finance, commercial real estate, corporate banking, correspondent banking, franchise finance, energy, healthcare, mortgage warehouse, and music/sports/entertainment.
• Lead examinations, including planning, field work, communication, and reporting.
• Monitor commercial units, assessing portfolio quality and credit risk management practices.
• Identify emerging risks from review trends, portfolio, industry, and economic information, and frequent interaction with Line and Credit Risk partners.
• Identify key issues, determine root causes, recommend corrective action, and collaborate with respective commercial units and/or management to ensure satisfactory resolution.
• Validate management success in addressing key issues identified by CAS and regulators.
• Complete assigned departmental reporting, special projects, and quality control reviews.
• Provide mentoring/training to other CAS Commercial Review team members.
• Pursue professional development opportunities and complete required training.

Supervisory Responsibilities

• No direct supervisory responsibilities; the position does require effective oversight of staff member activities during examinations or special projects and the ability to mentor/train new or less experienced team members.

Qualifications

• To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Additionally, the qualifications listed below are generally representative of the knowledge, skills, and/or abilities required in this position:
• Bachelor (4-year college) degree; Master's degree preferred
• 10 to 15 years commercial credit review related experience
• Excellent oral and written communication skills

Computer And Office Equipment Skills

• Microsoft Office suite

Certificates, Licenses, Registrations (Ex: CPA, Series 6 or 7 license, etc)

• None required.

Job Info

• Job Identification 1482
• Job Category Support
• Posting Date 09/30/2026, 09:26 PM
• Degree Level Bachelor's Degree
• Job Schedule Full time
• Locations 301 S MCDOWELL ST #100, CHARLOTTE, NC, 28204, US