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Job description
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.
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Worksite address
new york, NY, 10261, US
Who can apply
Review the original listing for work authorization, qualifications and employer requirements.