Credit Reviewer II
Core
Independent Third Line of Defense function assessing credit quality, validating risk ratings, and ensuring compliance with policies and regulations for Commercial Real Estate and Commercial & Industrial lending.
Role type
Senior IC credit risk reviewer
Builds
Independent risk assessments and audit-ready work papers for senior management and risk committees
Domain
Banking / Credit Risk / Commercial Real Estate & Industrial Lending
Required skills
Credit risk analysis, underwriting, portfolio management, regulatory compliance, financial performance assessment, covenant monitoring, collateral evaluation, risk rating validation, policy adherence, audit documentation
Preferred skills
Formal credit training, industry recognized professional certifications, knowledge of IAR policies, familiarity with review planning memoranda
Technologies
Microsoft Windows, Microsoft Office
Responsibilities
Evaluate borrower credit conditions and validate risk ratings; Assess quality of front-line credit approval documents and compliance with policies; Monitor credit risk processes including covenants and triggers; Review third-party collateral reports and loan documents; Identify deviations from guidelines and prepare review observations; Document review results and conclusions for auditors; Perform continuous monitoring of assigned portfolios; Build rapport with Relationship Managers and other departments
Seniority
Senior, hands-on IC