Job Summary:

• Prepare clear and concise written individual review reports, which summarize the borrower(s), relationship, loan transaction(s), and Loan Review exceptions along with corresponding recommendations.
• Present and defend grade classification recommendations for discussion first with the Director and then with Commercial Lending and Credit Administration.
• Review and address report/exception responses/questions from Commercial Lending, Credit, and Service Support for revisions and inclusion in the final review report.
• Identify and present best practice recommendations related to various internal lending processes, industry trends, and regulatory guidance.
• Calculate and/or compile loan- and/or borrower-level stress testing data, which may include balance sheet, cash flow, and collateral information.
• Participate in periodic department meetings to discuss strategies for credit risk analysis, identified exceptions trends, process improvements suggestions, and testing best practices obtained from testing and/or external training.
• Attend weekly loan committee meetings and provide feedback to the department on potential credit risks and portfolio trends.
• Participate in internal and external training to maintain and develop the technical knowledge and skills needed to analyze the loan portfolio, which includes existing and new financing products.

Skills on Resume:

• Review Reporting (Hard Skills)
• Grade Advocacy (Soft Skills)
• Stakeholder Communication (Soft Skills)
• Process Optimization (Hard Skills)
• Stress Testing (Hard Skills)
• Risk Strategy Participation (Soft Skills)
• Loan Committee Feedback (Soft Skills)
• Professional Development (Soft Skills)

Job Summary:

• Investigate loan originations for fraud or misrepresentation by reviewing the loan documentation and the systems utilized to underwrite, fund, and collect the accounts
• Apply auto finance experience, corporate policies, procedures, and departmental research to accurately identify loan origination deficiencies
• Identify origination weaknesses and recommend change when necessary
• Assist in the development and support of models, analysis, and reporting related to the soundness of credit and collection activities
• Monitor, analyze and summarize compliance with origination policies
• Create reports for management with viable recommendations for improvement of business operations, efficiencies, and internal controls
• Ensure project/review completion by understanding project expectations and deadlines, overcoming obstacles and communicating progress, delays and issues to management
• Coach, mentor, and assist fellow team members to establish a consistent level of quality, accuracy, and compliance to departmental standards internal controls
• Assist the Credit Review Manager with the distribution of incoming work
• Represent Credit Review in business segment meetings 
• Conform with all company policies and procedures

Skills on Resume:

• Fraud Investigation (Hard Skills)
• Policy Application (Hard Skills)
• Change Advocacy (Soft Skills)
• Credit Support (Hard Skills)
• Compliance Monitoring (Hard Skills)
• Management Reporting (Hard Skills)
• Project Oversight (Soft Skills)
• Team Mentorship (Soft Skills)

Job Summary:

• Assess the adequacy of the risk grade classification through the review of borrower and guarantor financial performance, collateral strength, and verification/completion of risk grading scorecards 
• Monitor ongoing portfolio management activities, such as timely portfolio reviews, covenant compliance, and borrowing base compliance & management.
• Assess and provide feedback on the adequacy of the Credit department’s analyses through the verification and/or calculation of financial and collateral ratios, such as cash flow, leverage, liquidity, and loan-to-value ratios along with accurate scorecard completion. 
• Evaluate the underwriting standards and activities of lending and credit personnel including compliance with lending policies, the quality of loan approvals, appropriate loan/borrower performance monitoring, and ongoing credit risk assessment.
• Review the credit file for completeness and timeliness of required borrower and guarantor(s) financial statement reporting such as audits/reviews/tax returns, borrowing base certificates, and covenant compliance certificates.
• Understand, interpret, and apply complex lending policies and regulatory guidance to a diverse set of customers and credit structures.
• Review electronic loan records for proper classification and coding for management and financial reporting purposes.
• Confirm the accuracy of loan, entity, collateral, and government guarantee/program-specific documents as compared with approved loan structure/requirements.
• Assess the materiality level of identified exceptions and assign attention ratings to each exception based on the impact to repayment source, portfolio management, and/or financial reporting.

Skills on Resume:

• Risk Grade Assessment (Hard Skills)
• Portfolio Monitoring (Hard Skills)
• Credit Analysis (Hard Skills)
• Underwriting Evaluation (Hard Skills)
• Credit File Review (Hard Skills)
• Policy Interpretation (Hard Skills)
• Loan Record Review (Hard Skills)
• Document Verification (Hard Skills)