Job Summary:

• Evaluate credit memos/ analysis for lending transactions 
• Determine if credit analysis was sufficiently thorough and conclusions were reasonable
• Verify that risk ratings have been assigned accurately and updated timely
• Ensure that loans adhere to general loan policy and to regulatory guidelines
• Verify quality of supporting documentation and identify any servicing deficiencies.
• Perform project management to ensure key planning, fieldwork and report issuance milestone dates are met. 
• Prepare reports detailing conclusions and hold discussions with management, Credit and other units or functional areas under review. 
• Effectively document Issues and secure the appropriate remediation plans from the business. 
• Communicate results to Senior Management.
• Follow-up with business units to resolve and validate Issues noted during reviews or by external entities.
• Perform continuous monitoring of the key credit related activities for business units and summarize in quarterly reports.

Skills on Resume:

• Credit Analysis (Hard Skills)
• Risk Rating Accuracy (Hard Skills)
• Regulatory Compliance (Hard Skills)
• Documentation Verification (Hard Skills)
• Project Management (Soft Skills)
• Management Reporting (Soft Skills)
• Issue Remediation (Soft Skills)
• Continuous Monitoring (Hard Skills)

Job Summary:

• Review, analyze, and assess risks in the organization’s commercial loan, commercial lending, and commercial leasing portfolios. 
• Lending, commercial real estate, cashflow/enterprise value lending, commercial equipment leasing, SBA and/or USDA government guaranteed commercial lending programs, and factoring/accounts receivable-based commercial lending portfolios.
• Identify risk, develop effective mitigation strategies, and report and monitor issues through resolution.
• Assist in validating risk ratings assigned to new and existing commercial credits. 
• Identify emerging risks unique to key industries, clients, or product lines that may impact general asset quality trends of the commercial credit portfolios being reviewed.
• Monitor trends identified in credit review and stress testing engagements
• Complete root cause analysis, make recommendations and summarize findings to senior management and board of directors.
• Vet key findings and issues through exit meetings and summarize responses in written reports to be used by regulatory agencies and both internal and external audit.
• Assist junior team members with work assignments.

Skills on Resume:

• Risk Analysis (Hard Skills)
• Mitigation Strategies (Hard Skills)
• Risk Monitoring (Hard Skills)
• Credit Validation (Hard Skills)
• Risk Identification (Hard Skills)
• Trend Analysis (Hard Skills)
• Root Analysis (Hard Skills)
• Team Leadership (Soft Skills)

Job Summary:

• Evaluate activities of lending and transaction support personnel in the Corporate Bank and CRM, ensuring compliance with policies, approvals, monitoring and risk assessment.
• Review loan underwriting practices including CS Credit Rating, Transaction Rating and US Regulatory Rating assignment (where relevant) and adherence to relevant policies.
• Identify obligors and transactions with potential credit weakness and any relevant trends.
• Identify existing and/or emerging risks and credit issues relating to quality and management of credit risk including but not limited to
• Gaps in risk rating accuracy, underwriting, credit approval, monitoring, relationship management and credit administration activities.
• Trends, overall condition, and emerging risks within the loan portfolios.
• Execute continuous and periodic risk-based loan review programs for U.S. and global loan portfolios as advised.
• Identify portfolio trends at the sector/industry level.
• Monitor an assigned credit portfolio on a continuous basis, conducting transaction reviews of new business, and summarizing results and recommendations in periodic reports.
• Ensure the aggregate risk profile is understood, is within risk appetite and is reflective of current market conditions and concerns.

Skills on Resume:

• Policy Compliance (Hard Skills)
• Loan Underwriting (Hard Skills)
• Credit Monitoring (Hard Skills)
• Risk Identification (Hard Skills)
• Trend Analysis (Hard Skills)
• Loan Review (Hard Skills)
• Portfolio Monitoring (Hard Skills)
• Risk Management (Hard Skills)

Job Summary:

• Ensure emerging risks are identified and highlighted to senior management.
• Provide senior management and the Board with an objective estimate of the portfolio.
• Prepare executive summaries, periodic reports, and presentations summarizing findings and recommendations to Board and its Risk Committee and executive management.
• Recommend policy and procedural changes to executive management and business and credit units to accurate deficiencies identified during reviews and strengthen the credit process.
• Participate actively in the new product approval process.
• Develop and implement a program for analyzing economic and industry data to identify potential impact on the institution’s loan portfolio.
• Evaluate the adequacy and efficiency of credit data and credit tracking systems.
• Provide assistance and consultation to front office business divisions, credit personnel, auditors, and regulatory examiners.

Skills on Resume:

• Risk Identification (Hard Skills)
• Portfolio Assessment (Hard Skills)
• Executive Reporting (Hard Skills)
• Policy Recommendation (Hard Skills)
• Product Approval (Hard Skills)
• Economic Analysis (Hard Skills)
• System Evaluation (Hard Skills)
• Consultative Support (Soft Skills)