Credit Risk Review Specialist II, III or Senior

ANB Bank has financial strength embodied in $3 billion in assets and is a true community bank with an unwavering commitment to excellence.  The bank helps each of its communities prosper through investment, sponsorship, philanthropy, and employee volunteerism.  It is a passion ANB has for banking that makes a difference.

ANB Bank hires individuals who provide excellent customer service and build meaningful relationships with our customers and within our communities.  ANB is committed to rewarding our team members who strengthen our company and culture.  ANB offers competitive compensation and a comprehensive benefits package for this position.

Hiring Pay Ranges: $54,808.00 - $117,854.88 per year (Includes $2080.00 per year Cost of Living Adjustment)

• Credit Risk Review Specialist II - $54,808.00 - $80,491.84 per year
• Credit Risk Review Specialist III - $66,331.20 - $97,400.16 per year
• Senior Credit Risk Review Specialist - $80,246.40 - $117,854.88 per year
  • The hiring pay range for this position is commensurate with the level of relevant experience and education.

Health & Wellness Benefits (Subject to Eligibility Requirements)

• Minimum 4 Weeks of Paid Time Off (PTO)
• 11 Paid Holidays
• Medical, Dental, and Vision Insurance
• Health Savings (HSA), Flexible Spending (FSA), and dependent care spending accounts
• Company provided Live, AD&D, and Disability Insurance with supplementation options
• 401(k) plan with discretionary company match and profit sharing
• Discretionary annual bonus and employee referral incentives
• Employee Assistance Program (EAP)
• Tuition Reimbursement Program
• Spanish Communication Assistant Program Incentive
• Employee Banking Products

Summary

• Conduct activities related to the company’s loan review process to minimize losses and ensure company lending practices conform to established policy.

Essential Duties and Responsibilities

• Conduct ongoing credit risk assessments for ANB Bank. This includes, but is not limited to, reviewing credit files for risk assessment, proper documentation, and quality of underwriting.
• Review and assess the following credit processes of the bank:
  • Risk rating effectiveness
  • Policy and procedure compliance
  • Compliance with underwriting standards
  • Credit monitoring
  • Credit analysis and presentation
  • Loan structure
  • Problem loan administration
  • Legal credit file documentation
  • Credit file quality
  • Compliance with regulatory guidelines
• Maintains a current knowledge and consistent compliance with Bank Secrecy Act (BSA) requirements, as well as knowledge and consistent compliance with other banking regulations and Bank policies and procedures related to the position. 
• Follow up as necessary on outstanding concerns identified at credit risk reviews to ensure management is addressing identified problems and correcting issues of concern. 
• Other duties may be assigned.

Education and/or Experience

Credit Risk Review Specialist II

• 3 - 5 years of loan review, commercial lending and credit analysis experience; or equivalent combination of education and experience.
• Ability to communicate and resolve findings during the review process.
• Ability to analyze credit and underwrite risk for consumer and commercial credits.  Understanding of cash flow and loan repayment.
• Understanding and ability to review loan documentation.
• Performs duties above under minimal guidance and direction from Senior Credit Risk Review Officer.
• Preferred regulatory experience helpful, but not a requirement.
• To perform this job successfully, an individual must be able to perform each essential duty satisfactorily.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions

Credit Risk Review Specialist III

• 5 - 8 years of loan review, commercial lending and credit analysis experience; or equivalent combination of education and experience.
• Ability to communicate and resolve findings during the review process.
• Ability to analyze credit and underwrite risk for consumer and commercial credits.  Understanding of cash flow and loan repayment.
• Understanding and ability to review loan documentation.
• Performs duties above under guidance and direction from Senior Credit Risk Review Officer.
• Preferred regulatory experience helpful, but not a requirement.
• To perform this job successfully, an individual must be able to perform each essential duty satisfactorily.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Senior Credit Risk Review Specialist

• 8 years of loan review, commercial lending and credit analysis experience; or equivalent combination of education and experience.
• Demonstrate advanced skills in communication. Ability to communicate and resolve findings during the review process. Responsible for leading communication with senior officers within the lending and credit teams.
• Ability to analyze credit and underwrite risk for the most complex credits. Thorough understanding of complex cash flows and loan repayment.
• Detailed understanding and ability to review loan documentation.
• Performs duties above under minimal guidance and direction from Senior Credit Risk Review Officer.
• Preferred regulatory experience helpful, but not a requirement.
• To perform this job successfully, an individual must be able to perform each essential duty satisfactorily.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Work Schedule: Monday - Friday, 8:00am - 5:00pm

Equal Opportunity Employer / Affirmative Action / Minorities / Female / Disability / Veteran

ANB Bank is committed to providing Equal Opportunity in Employment.  The Bank is continually trying to improve recruitment, employment, development, and promotional opportunities for its employees.  Our selection decisions are based on job-related factors and not on the basis of age, race, sex, color, religion, national origin, disability, sexual orientation, veteran status, pregnancy, marital status, genetic information, gender identity, or any other status protected by federal, state, or local law.

ANB Bank complies with the Equal Pay for Equal Work Act.  ANB Bank requests that Applicant not disclose its wage history to ANB Bank.  If ANB Bank for any reason comes into possession of Applicant's wage rate history, ANB Bank will not rely on it in determining a wage rate.  ANB Bank requests that Applicant not provide information on age, date of birth, or graduation date from any academic institution, including on resumes.

Anticipated Date of Application Window Closure: 04/30/2026 (or until filled)

Salary : $54,808 - $117,855