Senior Credit Risk Review Examiner

Regions Bank; Atlanta (GA); On-site; USD 106,000 - 151,000; Full time

Benefits offered by this job

Paid Vacation/Sick Time

401K with Company Match

Medical, Dental and Vision Benefits

Disability Benefits

Health Savings Account

Flexible Spending Account

Life Insurance

Parental Leave

Employee Assistance Program

Associate Volunteer Program

Job summary

Regions Bank in Birmingham, AL is seeking a Credit Risk Review Examiner to monitor and evaluate credit risk within assigned portfolios. You will analyze metrics, assess origination quality, and report findings to management, contributing to sound risk management practices.

The role requires a bachelor’s degree and extensive credit risk experience, with leadership opportunities in examinations and collaboration with risk partners. This position is full-time and office-based in the Birmingham area.

Qualifications

• Ability to learn additional systems as needed.
• Ability to research, analyze data, and derive facts.
• Ability to work in a team environment when applicable.
• Ability to work well autonomously, with limited guidance.
• Ability to work well under pressure and meet deadlines.
• Proficiency in Microsoft Office Suite (Excel, Word, PowerPoint, Outlook, etc.)
• Strong organizational skills
• Strong verbal and written communication skills
• Strong work ethic and self-motivation

Responsibilities

• Maintains a working knowledge of sound lending practices, lending regulations, and the bank’s loan policy and underwriting guidelines.
• Reviews credit exposures to provide assurance of compliance with Regions' credit policies, and safe and sound banking practices.
• Participates and/or takes a leadership role in credit risk review examinations, which may include horizontal reviews across lines of business and geographies.
• Develops and maintains positive working relationships with line of business management, credit risk management, audit staff, and other departments.
• Analyzes trends in key quality and performance metrics, reviews transactions, and assesses processes associated with the origination and servicing of assigned loan portfolios.
• Identifies and monitors the evolution of key risk direction drivers for assigned portfolios.
• Performs ad hoc analysis of credit risk issues independently, frequently requiring aggregation of transaction data through the use of spreadsheet or database software.
• Maintains specialized knowledge, as required for assigned lines of business, which may include expertise required to assess periodic validation of credit scoring models, understanding portfolio valuation techniques, etc.
• Proposes appropriate ratings and risk direction assessments and participates in developing findings and conclusions, presenting results to senior managers, and completing written reports within departmental guidelines.
• Maintains documentation to support review process and findings.
• Maintains a thorough knowledge of credit risk review procedures, sound lending practices, credit policies, and regulatory requirements.
• Offers advice and guidance to junior examiners, assisting in the development of necessary skills and the promotion of continuous improvement initiatives.
• Collaborates with senior management in the development of team goals and objectives, ensuring consistent achievement.
• May serve as the lead examiner for assigned line(s) of business for continuous monitoring of credit risk conducted between examinations.

Skills

Ability to learn systems

Data analysis

Team collaboration

Autonomy

Deadline-driven

Microsoft Office Suite

Strong communication

Organizational skills

Work ethic

Education

Bachelor’s degree in a related field

Job description

Regions Bank in Birmingham, AL is seeking a Credit Risk Review Examiner to monitor and evaluate credit risk within assigned portfolios. You will analyze metrics, assess origination quality, and report findings to management, contributing to sound risk management practices.

The role requires a bachelor’s degree and extensive credit risk experience, with leadership opportunities in examinations and collaboration with risk partners. This position is full-time and office-based in the Birmingham area.