Credit Review Analyst

About This Job

As a Credit Review Analyst, you will be responsible for conducting and supervising reviews of the corporation’s various lending portfolios, processes, and systems. The Credit Review Analyst will prepare and deliver written and oral reports to senior management regarding conclusions developed from such reviews.

This position will be Flexible :  Work both on-site and remote with schedule agreed upon by manager. Will be on-site when business needs arise and for “moments that matter.”  This position can be at a level I, II or Senior – depending upon experience.

Essential Functions

Develop and implement a strategy to sample and review a portfolio of loans, or a credit system or process.

Analyze and evaluate increasingly more complex commercial and / or retail credits or credit processes and systems to assess the accuracy of risk ratings, and the bank’s adherence to lending policies, bank standards and relevant laws and regulations

Responsible for conducting and supervising reviews of the corporation’s various lending portfolios, processes, and systems

Prepare and deliver written and oral reports to senior management regarding conclusions developed from such reviews

Identify existing or emerging risks and issues in credit portfolio segments and provide feedback to the Examiner-In-Charge (EIC), the Credit Review Manager, the Director of Credit Review and bank management regarding these risks and issues

When serving as EIC, report findings and conclusions to the management of the portfolio segment reviewed, and compile management’s response to the review into the final report

Report findings and conclusions from completed reviews in standardized, concise, organized reports, distribute these to senior bank management, and organize Exit Meetings to review these reports with lending line management and the bank’s Credit Administration team

Build relationships with business unit managers to facilitate the understanding of their markets or divisions to be in a better position to offer solutions to identified issues

Ability to work independently and remain task-focused

Perform other duties as assigned

Knowledge Skills & Abilities Required

Basic knowledge of Generally Accepted Accounting Principles (GAAP)

Basic knowledge of commercial and retail lending documentation and regulations

Strong understanding of credit systems and processes, credit structure, collateralizing credit obligations and financial statement analysis is required

Aptitude and interest for data analysis

Motivated and organized self-starter with strong attention to detail and the ability to manage multiple priorities

Inquisitive, agile and strong team player with excellent written, verbal and interpersonal communication skills

Ability to remain adaptable and resilient to all situations with an optimistic outlook and cast a positive shadow that is aligned with our culture and Core Values

Intermediate level proficiency with Microsoft Word, Excel and Outlook

Education & Experience

Bachelor’s degree or equivalent combination of education and experience required. Master’s degree in Business preferred

1+ year of credit analysis experience required

Credit review, regulatory, or credit risk management experience preferred

Credit Risk Certification (CRC) designation preferred

• Hybrid Schedule : In office 3 days per week
• Level of role is determined by knowledge, experience, skills, abilities, and education
• For individuals applying, assigned and / or hired to work in areas with pay transparency requirements, Commerce is required by law to include a reasonable estimate of the compensation range for some roles. This compensation range is for the Credit Review Analyst I, II, and Senior job and contemplates a wide range of factors that are considered in determining most appropriate job level and making compensation decisions, including but not limited to location, skill sets, education, relevant experience and training, licensure and certifications, and other business and organizational needs. The disclosed range estimate has not been adjusted for any applicable differentials (geographic, bilingual, or shift) that could be associated with the position or where it is filled. At Commerce, compensation decisions are dependent on the facts and circumstances of each situation. A reasonable estimate of the current base pay is $26.25 to $51.45 per hour.