U.S. Credit Risk Review Associate

Full Time

Madison-Davis

EXTERNAL ROLE

Job Summary:

The incumbent will be tasked with working closely with colleagues in Internal Audit, Group Risk Management (GRM), Global Credit, Ratings & Monitoring (R&M) and Credit Transaction Management to ensure that for their assigned segment of the U.S. wholesale loan portfolio:

  • Appropriate sample and review of the portfolio.
  • Identify and report potential weaknesses at the borrower and/or portfolio level and recommend an appropriate remediation plan to the relevant business/support units.
  • Ensure risks unique to both the region and the assigned portfolio segment are properly reflected in both the local and global risk frameworks as necessary.

Job Duties

Credit File Review:

  • Evaluate lending transactions and personnel ensuring compliance with policies approvals, monitoring and risk assessment.
  • Identify loans with potential credit weakness and any relevant trends that may affect collectability.

Credit Portfolio Review:

  • Identify potential trends at the sector/industry level.
  • Ensure aggregate risk profile is understood, is within risk appetite and is reflective of current market conditions and concerns.
  • Ensure emerging risks are identified and highlighted to management.

Reporting

  • Provide management with an objective assessment of the assigned segment of the U.S. wholesale loan portfolio
  • Provide management with credit information and regulatory reporting
  • Document findings and follow-up to assess resolution.

Qualifications:

  • Minimum of five years of experience in wholesale credit in an underwriting or adjudication capacity. Regulatory background in a supervision & regulation role is also applicable.
  • Strong negotiation, oral and written communication skills.
  • Solution orientated focus.
  • Thorough knowledge of lending products.
  • Ability to handle a significant and diverse workload,
  • Ability to accept accountability, assume leadership and demonstrate initiative.
  • Partnership mentality with respect to the rest of bank enterprise.
  • Ability to work collaboratively and productively with bank regulators, GRM, R&M and other business unit’s managers and peers.
  • Strong interpersonal skills.
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