Senior Manager, Loan Review

Raymond James; Saint Petersburg (FL); Hybrid; USD 110,000 - 160,000; Full time

Benefits offered by this job

Medical, dental, and vision coverage

Life insurance

Disability benefits

Retirement savings plan

Paid time off

Parental leave

Job summary

Raymond James Bank in Saint Petersburg, FL is hiring a senior credit risk reviewer to conduct portfolio–level risk assessments across CRE, C&I, and Private Bank lending. You will perform independent loan reviews, analyze financial statements, and verify risk ratings align with underwriting standards and regulatory requirements.

The role is hybrid, requiring at least three days per week in the local office; you will collaborate with loan officers and managers, prepare risk reports, and contribute

Qualifications

• Bachelor’s degree in Business, Economics, Accounting or Finance with at least seven years of CRE or C&I lending experience.
• Experience in credit/loan review and/or similar position requiring strong business knowledge.
• Strong credit skills and knowledge of lending policies and regulatory requirements.
• Ability to communicate clearly and persuasively.

Responsibilities

• Develop quantitative analysis to assess credit risk at the portfolio level.
• Perform independent loan reviews to evaluate the creditworthiness of the borrower.
• Analyze financial statements and data to ensure risk ratings are appropriate and updated per policy.
• Discuss deficiencies and corrective actions with loan officers and managers.
• Prepare reports summarizing portfolio quality and risk issues with recommended actions.
• Maintain understanding of credit risk policies and regulatory expectations.

Skills

Credit risk

Financial analysis

Risk rating

Regulatory knowledge

Lending practices

Communication skills

Time management

Multitasking

Collaboration

Education

Bachelor’s degree in Business

Bachelor’s degree in Economics

Bachelor’s degree in Accounting

Bachelor’s degree in Finance

Job description

Job Description Summary

The individual will be responsible for conducting credit risk assessments on loan portfolios within Raymond James Bank (“RJB”) and TriState Capital Bank (“TSCB”). Reviewable entities include Commercial Lending (CRE, REIT and C&I), Private Bank Lending and Shared National Credits (“SNC”). This will include a review of loans based on risk assessment findings as part of the Bank’s continuous monitoring program.

Each loan under review will be evaluated for adherence to the Bank’s credit underwriting standards, policies, procedures, guidelines and regulatory requirements, including completeness of documentation/files.

This is a hybrid role which requires a minimum of three (3) days per week in the St. Petersburg, FL office.

Job Description

Essential Duties and Responsibilities

• Develop quantitative analysis to assess credit risk at the portfolio level.
• Perform independent loan reviews to evaluate the creditworthiness of the borrower.
• Analyze financial statements and other required data provided in the credit file to ensure that risk rating is appropriate and upgrades/downgrades are done in a timely manner in line with banks policies/procedures and regulatory requirements.
• Discuss all noted deficiencies and identified weaknesses, and any existing or planned corrective actions, including timeframes for correction, with appropriate loan officers and managers.
• Assist in preparing reports summarizing portfolio quality and risk issues with recommended corrective action.
• Maintain a level of understanding of credit risk policies/requirements, regulatory expectations and contribute to improving effectiveness and efficiency of the credit risk analysis processes/methodologies.

Knowledge, Skills, and Abilities

• Strong credit skills along with experience in Corporate Lending (CRE, REIT, C&I); experience in Private Bank Lending (Residential Mortgages, Securities Based Loans and/or Structured Loans) is a plus.
• Financial statement analysis including comprehensive understanding of balance sheet, income statement and cash flow drivers impacting critical credit risk metrics.
• Experience in evaluating or assigning risk ratings.
• Knowledge of regulatory definitions and classifications of loans.
• Working knowledge of lending practices, policies, procedures, disclosures and terminology related to banking laws, regulatory requirements and legal documents.
• Well-developed interpersonal and written/verbal communication skills demonstrating the ability to communicate effectively, clearly and persuasively in a variety of settings, formats and audiences.
• Strong organizational, time management and follow-up skills, demonstrating a strong sense of urgency and ability to execute quickly, timely and efficiently.
• Ability to multi-task and decide key priorities with confidence, motivation, decisiveness and flexibility.
• Demonstrated ability to collaborate, influence and manage competing priorities across the organization.

Educational/Previous Experience Requirements

Bachelor’s degree in Business, Economics, Accounting or Finance with at least seven (7) years of experience in CRE or C&I lending, credit/loan review and/or similar position requiring strong business knowledge and credit judgment.

Education

Bachelor’s: Accounting, Bachelor’s: Business Administration, Bachelor’s: Finance

Work Experience

General Experience - 6 to 10 years

Certifications

Travel

Less than 25%

Workstyle

Hybrid

The total compensation for this position includes base salary or wages, and may include components such as additional compensation (cash or equity), discretionary bonuses, or commissions. This position is eligible for a benefits package that may include medical, dental, and vision; life insurance; critical illness insurance and accident insurance; disability benefits; retirement savings; paid time off (including vacation, holidays, and sick leave); and parental leave. Eligibility for benefits and specific offerings may vary based on position and employment status. To view more details of the benefits offered, visit Myrjbenefits.com.

At Raymond James our associates use five guiding behaviors (Develop, Collaborate, Decide, Deliver, Improve) to deliver on the firm’s core values of client-first, integrity, independence and a conservative, long-term view.

We expect our associates at all levels to:

• Grow professionally and inspire others to do the same
• Work with and through others to achieve desired outcomes
• Make prompt, pragmatic choices and act with the client in mind
• Take ownership and hold themselves and others accountable for delivering results that matter
• Contribute to the continuous evolution of the firm

At Raymond James – as part of our people-first culture, we honor, value, and respect the uniqueness, experiences, and backgrounds of all of our Associates. When associates bring their best authentic selves, our organization, clients, and communities thrive.

The Company is an equal opportunity employer and makes all employment decisions on the basis of merit and business needs.