Credit Review Audit Team Lead

Job Description

• This position will work onsite Mon - Thurs with Friday as an optional work from home day.

Job Summary

The Credit Review Audit Team Lead will be responsible for providing objective evaluations of the Bank's Consumer / Retail performance monitoring, internal controls, risk identification, portfolio management activity, and collections practices in adherence to the Bank's risk profile, policies and procedures by gathering, reviewing, testing and analyzing internally and externally generated guidance / documentation for credit review audits. The Credit Review Audit Team Lead responsibilities will also be focused on the Consumer Bank risk assessment, portfolio administration, ACH risk, assessing and monitoring credit risk metrics (KRIs and KPIs), and assist in the creation and preparation of reports for use by management. This position will review, trace, test and summarize results against samples for proper evidence and present results to department manager and auditors. The Credit Review Audit Team Lead will ensure comprehensive coverage of Consumer / Retail credit audit engagements, from start to finish, inclusive of scoping, testing, and follow up activities.

Essential Functions

Work with management and to monitor compliance with credit risk appetite and ensure alignment with assigned metrics and KRIs

Identify early signs of stress along with actual and potential credit weaknesses

Assist in the preparation of reports for use by management

Assess the adequacy of and adherence to internal credit policies and loan administration procedures

Monitor compliance with applicable Consumer laws and regulations

Communicate review progress and emerging risk factors

Manage personal pipeline (workload / workflow)

Plan Consumer credit audit approaches under the direction of supervisor

Determine required audits for relevant segment / special projects

Develop scope, audit objectives, and program based on assessed risk of subject matter

Determine staffing requirements for Audit

Ensure document and data integrity

Oversee / compile working papers as appropriate

Prepare meeting materials (soft, and final exits)

Present relevant findings appropriately to department manager and auditors

Obtain and analyze evidence, ensure audit conclusions are well-documented

Timekeeping / updating schedule of whereabouts during audits

Produce plan for completing field work

Oversee / collect of specific samples / data

Identify and communicate issues raised, recommend solutions relevant to business units and risk management

Summarize results / findings

Appraise adequacy of the corrective action taken to improve deficient conditions

Meet departmental continuing education requirements and proactively seeking relevant education and training opportunities

Knowledge of Crowe Credit360, BancAudit / Nautilus / CBS / Data Analysis Tool / Audit Management Software

Self-learn / maintain extensive knowledge of Northwest's Risk Appetite Policy, SOX internal control narratives and test scripts, Call Reports and supporting schedules, Business Unit Risk Assessments

Ensure compliance with Northwest's policies and procedures, and Federal / State regulations

Navigate Microsoft Office Software, computer applications, and software specific to the department in order to maximize technology tools and gain efficiency

Qualifications

Bachelor's Degree Accounting, Finance, or Business related degree preferred

6 - 8 years Credit Review / business related experience required

5 - 6 years Bank auditing experience preferred

Candidate must possess extensive knowledge of and be fluent in the review of, but not limited to commercial / consumer credit, regulatory exam reports, compliance reports, third party risk associated with various business units, Extensive

Ability to apply advanced financial analysis techniques, Extensive

Travel Requirements

As Needed within Northwest footprint for training and meetings

The pay range for this position is generally $100,000 - $115,000 annually. Actual pay is based on variousfactorsincluding but not limited to the successful candidate's experience, skills, and knowledge. Additional bonus earning opportunities and benefits are also available.

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Northwest is an equal opportunity employer. We are committed to creating an inclusive environment for all employees.