Credit Risk Review Officer II

S&T Bank; Downingtown (Chester County); On-site; USD 75,000 - 110,000; Full time

Job summary

Jobtailor seeks a seasoned Credit Risk Review professional to independently monitor credit quality and oversee lending activities. You will analyze commercial and consumer credit data and verify risk ratings in line with underwriting guidelines.

The role emphasizes collaboration with management, review of various loan exposures, and participation in bank projects needing credit expertise. Strong teamwork and precise attention to detail are essential.

Qualifications

• Four-year college degree or equivalent.
• Preferred major or area of specialization in Accounting.
• Formal credit training.
• Loan Review Certification or willingness to obtain a Loan Review Certification within 18 months of hire date
• Two to five years of general experience
• Preferred minimum of five years specialized training, specifically five years of commercial loan review experience or an equivalent combination of credit analysis and commercial loan review experience
• Ability to work as a team player
• Ability to operate a keypad device and office equipment
• Manual dexterity skills for typing up to 40% of the business day
• Close vision of 18”-20” for computer work

Responsibilities

• Independently monitor credit quality and assess the effectiveness of credit risk management.
• Provide objective oversight of lending credit-related activities to the directorate and executive management.
• Analyze commercial and consumer credit quality, credit administration management, processes, and controls.
• Review assigned credits and borrowers for compliance with established policies, underwriting guidelines, and procedures.
• Evaluate credit and borrower quality and verify appropriate risk ratings based on financial strength and probability of loan repayment.
• Review commercial loans, retail loans, and other commercial and non-commercial credit exposures.
• Perform secondary mortgage market quality control and portfolio mortgage loan reviews.
• Review small business loans approved through the Business Banking Lending Division.
• Provide recommendations to the Commercial/Consumer Credit Risk Review Manager.
• Assist with commercial or retail credit reviews and bank projects requiring credit expertise.
• Examine areas where credit risk is managed or monitored.
• Maintain working relationships with bank employees and contribute as a team player.
• Assume additional responsibilities as required.

Skills

Credit Quality Assessment

Credit Administration Management

Financial Strength Evaluation

Risk Rating Verification

Portfolio Mortgage Loan Reviews

Commercial Loans Review

Consumer Loans Review

Small Business Loans Review

Credit Processes and Controls

Lending Guidelines Compliance

Team Player

Interpersonal Skills

Education

Bachelor's degree or equivalent

Accounting major preferred

Formal credit training

Loan Review Certification

Tools

Office Equipment

Keypad Device

Job description

• Independently monitor credit quality and assess the effectiveness of credit risk management
• Provide objective oversight of lending credit-related activities to the directorate and executive management
• Analyze commercial and consumer credit quality, credit administration management, processes, and controls
• Review assigned credits and borrowers for compliance with established policies, underwriting guidelines, and procedures
• Evaluate credit and borrower quality and verify appropriate risk ratings based on financial strength and probability of loan repayment
• Review commercial loans, retail loans, and other commercial and non-commercial credit exposures
• Perform secondary mortgage market quality control and portfolio mortgage loan reviews
• Review small business loans approved through the Business Banking Lending Division
• Provide recommendations to the Commercial/Consumer Credit Risk Review Manager
• Assist with commercial or retail credit reviews and bank projects requiring credit expertise
• Examine areas where credit risk is managed or monitored
• Maintain working relationships with bank employees and contribute as a team player
• Assume additional responsibilities as required

Requirements

• Four-year college degree or equivalent
• Preferred major or area of specialization in Accounting
• Formal credit training
• Loan Review Certification or willingness to obtain a Loan Review Certification within 18 months of hire date
• Two to five years of general experience
• Preferred minimum of five years specialized training, specifically five years of commercial loan review experience or an equivalent combination of credit analysis and commercial loan review experience
• Ability to work as a team player
• Ability to operate a keypad device and office equipment
• Manual dexterity skills for typing up to 40% of the business day
• Close vision of 18”-20” for computer work

Core Competencies

Demonstrates expertise in credit quality assessment and risk management, with a strong focus on compliance with lending policies and underwriting guidelines. Proficient in analyzing commercial and consumer credit, with a commitment to maintaining effective working relationships within a team environment.

Highest-signal resume keywords

• Credit Risk Management
• Commercial Loan Review
• Credit Analysis
• Loan Review Certification
• Compliance Oversight

Hard Skills

• Credit Quality Assessment
• Credit Administration Management
• Financial Strength Evaluation
• Risk Rating Verification
• Portfolio Mortgage Loan Reviews
• Commercial Loans Review
• Consumer Loans Review
• Small Business Loans Review
• Credit Processes and Controls
• Lending Guidelines Compliance

Soft Skills

• Team Player
• Interpersonal Skills

Certifications & Qualifications

• Loan Review Certification

Industry Keywords

• Credit Risk
• Lending Activities
• Underwriting Guidelines
• Commercial Banking
• Consumer Banking

Tools & Technologies

• Office Equipment
• Keypad Device