Loan Review Commercial Examiner II

This is a fully remote position, open to applicants in New Jersey.

📋 Description

• Conduct independent reviews of borrower files across a variety of Commercial loan portfolios.

• Evaluate the adequacy of underwriting, portfolio monitoring, documentation, collateral valuations, risk rating accuracy, and management of problem loans.

• Interpret and implement Regulatory feedback, requirements, Bank policies, credit standards, risk limits, and Regulatory guidance.

• Analyze borrower data, repayment capabilities, management abilities, adherence to covenants, legal documentation, and industry-related risks.

• Develop and deliver risk rating assessments to management that support the Bank's Expected Loss calculations.

• Engage in risk rating discussions with internal stakeholders and Line of Business partners.

• Create job aids that support Examination activities.

• Collaborate with lending and credit management teams to address discrepancies and disputes.

• Maintain a thorough understanding of Bank credit policies and procedures while pursuing ongoing professional development.

• Generate workpapers that document review findings for Loan Review management, Line of Business partners, and Regulatory evaluations.

• Manage workflow in accordance with departmental standards.

• Assist in the professional growth of other Commercial Examiners.

• Uphold the confidentiality of customer information and perform other related tasks.

⛳️ Requirements

• A Bachelor's Degree in business or a related field is required.

• A strong preference for a major or concentration in Finance or Accounting; relevant work experience may compensate for a different degree.

• At least 5 years of experience in Commercial credit, including loan review, credit underwriting/analysis, credit management, credit risk management, Commercial lending, or Regulatory examinations.

• Strong understanding of Commercial lending and credit analysis.

• Demonstrated experience with corporate, syndicated, and leveraged loans is highly preferred.

• Excellent verbal and written communication abilities.

• Proficiency in compiling review data and articulating it in both narrative and analytical formats.

• Capability to present well-supported opinions on processes, procedures, and credit risk conditions to business management.

• Strong organizational skills with the ability to prioritize tasks and meet strict deadlines.

• Exceptional PC skills, including expertise in word processing and spreadsheets using Microsoft Office products and specialized applications.

• Highly skilled in commercial credit analysis, credit risk assessment, and risk rating according to Regulatory definitions.

• Ability to collaborate effectively and influence others without direct managerial authority.

• Competence in navigating potentially contentious situations.

• Commitment to maintaining the confidentiality of customer information.

• Ability to perform sedentary work continuously and operate standard office equipment consistently.

• Occasional domestic travel may be required; no international travel.

🏝️ Benefits

• Variable compensation and incentive awards, which may include eligibility for cash and/or equity incentives.

• Health and wellness benefits.

• Savings and retirement programs.

• Paid time off, encompassing Vacation PTO, Flex PTO, and Holiday PTO.

• Banking benefits and discounts.

• Opportunities for career development.

• Rewards and recognition initiatives.

• Regular conversations regarding career progression, development, and performance.

• Access to an online learning platform.

• Mentoring programs.

• Training and onboarding sessions.

• Occasional domestic travel may be necessary.