Credit Risk Specialist

We are seeking a Credit Risk Specialist for our direct client with experience in BSA/AML and financial risk management.

Responsibilities :

Reviews all pertinent credit and financial information, including business and personal financial statements, spreadsheets, cash flow analyses, and other sources, as applicable. Properly assesses borrower risk profiles and risk grades of each loan/lending relationship reviewed. Capable of analyzing the most complex and interlocking lending relationships.

Performs proper risk-based sampling techniques for scoping continuous file reviews and periodic reviews; determines the need for expanding scope and adjusting exam procedures, as appropriate.

Guides less experienced reviewers in determining the accuracy of assigned risk ratings and analyzing borrower risk attributes and risk factors. Reviews work papers of other Credit Risk Review Officers.

Analyzes loan reporting and tracking systems and prepares appropriate comments within Credit Risk Review reports.

Properly evaluates changes or weaknesses within Credit Administration processes or policies.

Maintains 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.).

Demonstrates an excellent knowledge of regulatory requirements and expectations pertaining to credit risk management.

Qualifications :

Bachelor's degree (concentration in business, economics, finance, accounting, law or a related field preferred); or equivalent related work experience and education is required.

Minimum of 8 years of direct or comparable banking, financial industry, or banking supervision experience with a focus on BSA/AML is Knowledge of large bank capital planning and positions, financial risk management, and supervision and regulation.

Possess strong intellectual curiosity, independent thinking, and decision-making abilities.

Proficient communicator with strong writing and public speaking skills.

Ability to convey complex, technical topics and supervisory assessments in concise terms to multiple audience types.

Able to set priorities and adapt to changing circumstances, with commitment to ensuring that high priority goals are met.