CREDIT RISK REVIEW OFFICER SENIOR CREDIT ADMIN 2LOD

WHAT IS THE OPPORTUNITY?

The Credit Risk Review Officer Senior - Credit Administration will support the Credit Administration Credit Risk Management daily activities for credit risk monitoring, identification and mitigation strategies of diversified consumer and commercial loan portfolios. Will independently assess and opine upon the overall credit risk and effectiveness of credit risk management to ensure limited risk exposure by adherence to bank and regulatory standards. This position also serves as an internal advisor to 2LODs to identify, recommend and effect process changes regarding credit risk management activities, regulatory issues related to credit risk, credit policy, and general credit underwriting guidelines; identifies current or potential problems regarding the assessment of credit risk and the administration of Bank credit/loan exposure; analyzes and monitors the quality of various retail and commercial credits that represent the wide range of credit products offered by the Bank. Evaluates Credit Policies/Credit Process and assures that proper credit controls are in place to fully satisfy safety and soundness standards established by Bank regulators; monitors adherence to such polices and validates that exceptions are adequately identified, fully justified and properly approved. This position supports 2LOD Credit Risk Management team in monitoring the 1LOD credit activities, Special Assets and 2LOD Credit Administration activities.

• Lead and manage credit risk reviews of various types of credit portfolios and credit processes.
• Performs risk based independent reviews of all types of CNB loan portfolios (including quality assurance document and underwriting reviews) to identify current or potential problems, as well as positive elements, regarding the assessment of credit risk and the administration of Bank credit/loan exposure.
• Determines the accuracy of assigned internal credit risk ratings, proper exception codes, regulatory leverage designations are correctly identified to adequately manage portfolio risk
• Reviews and assesses non-compliance with CNB policies and procedures, and determines loan weaknesses so that timely corrective actions can be taken, violations of laws and regulations and inadequate credit/collateral documentation.
• Ensure credit-granting is properly managed with credit exposures consistent with prudential standards and limits; along with established and enforced controls to ensure Policy and Procedures and limit exceptions are reported timely to Management
• Monitor, track and report on Risk Appetite metrics and concentration limits
• Work with Credit Portfolio Management to establish portfolio credit risk management performance guardrails and evaluate performance, utilize sensitivity analysis, stress testing, market trend, and other analytical methodologies to anticipate any credit trends or deterioration and obtain insights into portfolio performance and market opportunities
• Collaborate with the Manager, Division Risk, Credit Administration and the Credit Risk Program Manager, Credit Administration in creating and delivering presentations for senior management that include portfolio activities, analytics of risk, performance, emerging trends and opportunities
• Coordinate the completion of risk mitigating actions and providing status updates of open/closed issues to senior management and second line of defense Issue Management Group
• Coordinate activities with other departments in the bank responsible for risk management including 1LOD Office of the President and Credit Risk Review (3LOD)
• Conduct QA/QC testing, validation and reporting on the performance of risk mitigating controls (e.g. if policies and procedures are being followed, if sign off limits are being exceeded, if EDD guidelines are being followed, etc.)
• Identifies, recommends and effects process changes as related to credit risk management activities, regulatory statutes, credit policy and general credit underwriting guidelines.
• Interprets and evaluates Bank Credit Policy and assures that proper credit controls are in place to appropriately manage credit risk. Monitors adherence to such policies and validates that exceptions are adequately identified, fully justified and properly approved.
• Acts as internal advisor/partner to CNB's line units regarding loan and credit matters and provides guidance in areas that require further development.
• Maintains awareness of the current regulatory/industry trends impacting the Bank's credit areas.
• Promotes teamwork within the department to ensure that knowledge and experience is shared among team members.
• Prepares departmental reports and other portfolio reporting as requested by management.
• Complies fully with all Bank Operational and Credit policies and procedures as well as all regulatory requirements (e.g. Bank Secrecy Act, Know Your Client, Community Reinvestment Act, Fair Lending Practices, Code of Conduct, etc.).
• Completes all required training and special projects as requested.