AVP, Credit Review Officer

Title: AVP, Credit Review Officer

Office Status: Hybrid NYC

Base Salary: 120K–150K

Overview

A large financial institution is seeking an AVP-level Credit Review Officer. The role covers a diverse wholesale corporate credit portfolio spanning multiple industries and offers significant visibility with senior leadership. This position provides the opportunity to conduct in-depth credit reviews, identify and challenge potential weaknesses, and exercise a high degree of autonomy. Ideal for disciplined credit professionals looking to expand their expertise across a diverse set of corporate sectors.

Key Responsibilities

• Conduct independent credit reviews across a range of corporate borrowers to ensure alignment with internal lending policies and regulatory standards.
• Assess borrower financial performance through in-depth analysis of financial statements, cash flows, leverage metrics, and overall capital structure.
• Evaluate internal and regulatory risk ratings, identify discrepancies, and recommend changes with clear supporting rationale.
• Review the adequacy and effectiveness of credit monitoring practices, performance covenants, and early-warning triggers.
• Analyze base-case and stress-case projections to evaluate borrower resilience and identify potential risk migration.
• Provide well-supported findings and challenge points to senior credit review leadership and frontline credit teams.
• Perform portfolio-level risk assessments and continuous monitoring to identify emerging trends or areas requiring closer oversight.
• Maintain active communication with credit, business, audit, and compliance partners to support timely and accurate risk assessments.
• Identify process gaps or policy deficiencies and propose enhancements to strengthen credit risk management practices.
• Support special projects or ad hoc assignments that contribute to the broader credit review and risk governance framework.