Credit Risk Review Examiner - Commercial

Columbia Bank; Hillsboro (OR); On-site; USD 90,000 - 110,000; Full time

Benefits offered by this job

Healthcare coverage

401(k) retirement plan

Employee assistance program

Life insurance

Disability insurance

Tuition assistance

Mental health resources

Identity theft protection

Legal support

Auto/home insurance

Pet insurance

Discount marketplace

Paid vacation

Sick days

Volunteer days

Holidays

Job summary

Columbia Bank is seeking an experienced Credit Review professional to conduct independent reviews focusing on large, complex commercial loans. You will assess risk, verify compliance with policies and regulations, and determine proper loan grades.

The role may involve coordinating a small team and communicating issues to senior management with tact and accuracy. The successful candidate will have 4–7 years in credit review, a business/finance/economics/accounting degree, and strong analytical,

Qualifications

• 4–7 years of experience in Credit Review or equivalent examiner background.
• Requires knowledge of credit review practices and regulatory requirements.
• Strong analytical and detail orientation.
• Excellent written and verbal communication skills.

Responsibilities

• Perform independent reviews and risk assessments of commercial loans.
• Ensure adherence to credit policies, underwriting guidelines and regulations.
• Coordinate workflow for review officers and report to senior management.
• Audit loan documentation and collateral, documenting exceptions.
• Monitor and assign correct risk ratings and loan grades.
• Advise on loan situations and potential credit problems to leadership.

Skills

Credit Review

Regulatory knowledge

Analytical skills

Written & verbal comms

MS Office

Travel

Education

Bachelor's in business/finance/economics/accounting

Tools

MS Office Suite

Job description

About The Role

Provides an independent review and risk assessment of non-Homogeneous loans, including some of the bank's largest and most complex loans, ensuring adherence to Bank credit policies, underwriting guidelines, and applicable regulations, as well as determining that risk is accurately identified via the Bank's internal loan risk rating system. The primary focus of this role will be commercial credit. Periodically may be assigned responsibility for managing reviews of loan portfolios; coordinating workflow for a team of review officers, summarizing results, and communicating issues of concern to bank senior management.

• Performs risk analyses to determine financial integrity and identifies potential credit problems.
• Examines and evaluates records pertaining to loan documentation and collateral, documenting exceptions and omissions.
• Monitors compliance with bank policies and is the final authority on assignment of credit quality loan grade (risk rating) based on the borrower’s ability to pay and the level of credit risk to the bank. Summarizes and documents the facts and findings of reviews.
• Reviews recommended loan grade changes for non-Homogeneous loans/commitments to ensure the appropriate Risk Ratings are assigned.
• Provides recommendations regarding review frequency and identification of additional potential credit problems.
• Plans and conducts loan portfolio reviews, coordinating workflow, ensuring accuracy and completeness of results, summarizing and communicating issues of concerns to bank senior management.
• Advises senior management and the Board of Directors on specific loan situations and brings problems or documentation deficiencies to their attention.
• Reviews various reports to monitor and ensure that specified borrowing relationships are reported appropriately.
• Demonstrates compliance with all bank regulations for assigned job function and applies to designated job responsibilities – knowledge may be gained through coursework and on-the-job training. Keeps up to date on regulation changes.
• Follows all Bank policies and procedures, compliance regulations, and completes all required annual or job-specific training.
• Maintain a working knowledge of Bank's written policies and procedures regarding Bank Secrecy Act, Regulation CC, Regulation E, Bank Security and other regulations as applicable to this job description.
• May be asked to coach, mentor, or train others and teach coursework as subject matter expert.
• Actively learns, demonstrates, and fosters the Columbia corporate culture in all actions and words.
• Takes personal initiative and is a positive example for others to emulate.
• Embraces our vision to become “Business Bank of Choice”
• May perform other duties as assigned.

About You

• 4-7 years of experience in the specialized field of Credit Review or equivalent experience as an examiner with one of the federal regulatory agencies required
• Bachelor's Degree in business, finance, economics, accounting, or equivalent preferred
• Requires wide-ranging and in-depth knowledge of Credit Review practices/techniques, regulatory requirements, and company policies and procedures.
• Requires significant experience demonstrating the ability to oversee and/or conduct medium to high-risk reviews and examinations for a wide variety of industries.
• Demonstrated ability to effectively resolve sensitive situations.
• Outstanding financial analytical skills with strong attention to detail.
• Excellent written and verbal communication skills.
• Proficient using computers and MS Office Suite including Word, Excel, PowerPoint.
• Occasional travel may be required

The pay range for this role is $90,000 - $110,000.

The pay rate for the selected candidate is dependent upon a variety of non-discriminatory factors including, but not limited to, job-related knowledge, skills, and experience, education, and geographic location. The role may be eligible for performance-based incentive compensation, and those details will be provided during the recruitment process.

Primary Location

Ability to work fully onsite at posted location(s).

9285 NE Tanasbourne Drive Hillsboro OR 97124

Our Benefits

We are proud to offer a competitive total rewards package including base wages and comprehensive benefits.

• comprehensive healthcare coverage (medical, dental, and vision plans)
• 401(k)-retirement savings plan with employer match for qualifying associate contributions
• an employee assistance program
• life insurance
• disability insurance
• tuition assistance
• mental health resources
• identity theft protection
• legal support
• auto and home insurance
• pet insurance
• access to an online discount marketplace
• paid vacation, sick days, volunteer days, and holidays

Benefit eligibility begins the first day of the month following the date of hire for associates who are regularly scheduled to work at least thirty hours weekly.

Our Commitment To Diversity

Columbia Bank is an equal opportunity and affirmative action employer committed to employing, engaging, and developing a diverse workforce. All qualified applicants will receive consideration for employment without regard to race, color, national origin, religion, sex, age, sexual orientation, gender identity, gender expression, protected veteran status, disability, or any other applicable protected status or characteristics. If you require an accommodation to complete the application or interview(s), please let us know by email: [e-mail].

To Staffing And Recruiting Agencies

Our posted job opportunities are only intended for individuals seeking employment at Columbia Bank. Columbia Bank does not accept unsolicited resumes or applications from agencies and Columbia Bank will not be responsible for any fees related to unsolicited resume submissions. Staffing and recruiting agencies are not authorized to submit profiles, applications, or resumes to this site or to any Columbia Bank employee and any such submissions will be considered unsolicited unless requested directly by a member of the Talent Acquisition team.