Commercial Credit Review Officer III

Lead examinations of the different loan portfolios of AMTB, ensuring that the credit quality and credit administration of the Bank’s portfolio conforms to Bank’s Policy & Procedures, and regulatory guidance. Provide useful continual feedback on the effectiveness of the lending process in order to identify any emerging risks.

Responsibilities

• Conduct and lead credit reviews of mid-to-large size loans or portfolios of high complexity (i.e. Domestic & International Commercial - small businesses, middle market & corporate, Commercial Real Estate, Real Estate Construction, and Financial Institutions Loans) to validate the risk rating, promptly identifying potential credit weaknesses and recommending changes in assigned risk ratings as deemed necessary.
• Prepare and submit credit risk review reports for each review conducted, ensuring reports accurately reflect findings documented in work papers, including related risks. Ensure conclusions and recommendations are reasonable and well-based and all reports are prepared in an efficient, timely, and concise manner.
• Plan and supervise field work, performance of procedures in key areas, work paper review, and status meetings. Recommend adjustments to review methods and systems and perform loan review program updates as appropriate.
• Manage personnel on assignments to balance workload and establish priorities in order to meet commitments and accomplish all major objectives accurately and in a timely manner (i.e. completing fieldwork and review note corrections, ongoing communication, planning, and report preparation).
• Evaluate assigned Criticized Asset Reports for impaired credits in order to confirm the accuracy of the assigned risk rating, accrual and BEFD status, adequacy of the impairment calculation (ASC-310) and designation.
• Review the completeness of the credit loan files and collateral documentation and research the customer’s overall relationship with the Bank and determine significant technical deficiencies and credit risks.
• Identify and communicate credit policy exceptions and issues to Loan Officers/Department Managers to address credit/legal deficiencies on a timely basis.
• Maintain proper documentation, including cross-reference and other techniques required for creating and maintaining an adequate audit trail.
• Maintain current knowledge of business, organizational, credit risk and technological changes as well as pertinent internal, credit and regulatory policy and procedural requirements to ensure review integrity, process innovation, and service quality.
• Provide guidance to team members in the following areas: adopting the operating procedures of the department, formats used and criteria applied to the various types of loans, and implement the credit policies and procedures.
• Back up function for other operational roles performed in the department, as required by manager.
• Prepare presentations, reports, charts, and special assignments in support of the Credit Review Department and Management for presentation at the corresponding committees.
• Assist Credit Review Manager in special projects.
• Ensure preventive measures are carried out to fully comply with current rules, regulations and internal policies relating to risks pertaining to BSA, USA Patriot Act, OFAC and other AML related issues.
• Other duties as required.
  
  

Minimum Education And/or Certifications Requirements

• Bachelors degree in Accounting, Finance, Economics is required.
• Formal credit analysis training required.
  
  

Minimum Work Experience Requirements

Minimum of 5 years’ experience in the Credit Review and/or credit analysis functions is required, including 2-year experience in loan review.

Technical And/or Other Essential Knowledge

• Previous experience with MS Office Skills, including MS Word II, MS Excel II, Access II and MS PowerPoint II required.
• Knowledge of regulatory requirements, market area and economic climate, and standards applicable to Domestic & International Commercial Lending (small business, middle market, and corporate), Commercial Real Estate, Real Estate Construction, and Financial Institutions loans.
• Advance credit risk analysis skills.
• Basic statistics skills required.
• Ability to seek and gather information from a variety of sources.
• Strong analytical ability in order to render a final and objective determination on the credit evaluation.
• Maintain an objective and independent perspective throughout