Financial Institutions Department - Credit VP

Overview

The Vice President, Credit Risk Analyst will conduct various types of credit analysis on loans and perform the annual review of credit limits. In addition, they will administer and maintain superb relationships with Financial Institutions to expand the bank’s customer base and increase business in accordance with established policy and procedures. Coordinate with LCD, CRM and IAD to ensure bank relationships follow the most up-to-date OCC and other regulations.

Responsibilities

Credit Portfolio Maintenance / Credit Officer

• Conduct in-depth analysis of new credit requests, credit change requests, renewals and annual customer relationship reviews
• Report any findings that may adversely affect loan collateral or borrower’s ability to pay/repay the loan
• Present detailed credit analysis to relevant parties (e.g., Loan Officers)
• Ensure all credit files are complete with supporting documentation
• Perform annual file reviews
• Update CRR and Credit usage tracker
• Complete any credit-related tasks/assessments requested by second line in a timely manner
• Participate in internal and external audit requests and take remediation actions when needed
• Participate in special projects and other duties as assigned
• Generate monthly reporting items for CRC and regulatory required items

Credit Review and Ongoing Screening

• Conduct due diligence on CRR entities in accordance with bank policies, procedures and regulatory requirements
• Report any unusual credit activities to supervisor and department head
• Review loan files as needed to ensure quality, consistency, and compliance with regulatory requirements
• Perform quality assurance and editorial functions for the credit recommendation report and proposal

Customer Service

• Perform liaison functions for FI customers and relevant business departments to resolve inquiries
• Actively support new types of customers and new product onboarding

Other Duties

• This job description reflects management’s assignment of essential functions, and it does not prescribe or restrict the tasks that may be assigned.

Qualifications

• Bachelor’s degree in business, accounting, computer science, economics, mathematics, finance or statistics required; Master’s degree preferred
• At least 3–5 years of experience in credit risk management required
• Knowledge of credit risk, financial and statistical analysis
• Knowledge of credit administration, policies and procedures, and regulatory compliance
• PC proficiency utilizing a variety of software packages including Microsoft Office Suite
• Effective credit report writing skills
• Strong desire to proactively identify gaps/inefficiencies in existing processes and work towards resolving them
• Excellent written and verbal communication and interpersonal skills required
• Must be multi-tasked to be able to work in a fast-paced environment
• Ability to deal with all levels of personnel in a courteous and efficient manner
• Must be organized and detail-oriented with follow-up skills

Pay Range

Actual salary is commensurate with candidate’s relevant years of experience, skillset, education and other qualifications. USD $110,000.00 - $230,000.00 /Yr.