Senior Credit Officer, Corporate, Commercial, and Industrial

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JOB PURPOSE 

The Senior Credit Officer, Corporate Credit Risk, acts as a team leader in the second line of defense oversight function with the authority to make credit decisions, direct credit culture, and oversee the portfolio management activities of the first line of defense.

KEY ACCOUNTABILITIES

• Risk Appetite/Culture
  • Exhibits behaviors reflective of desired risk culture by escalating relevant risk issues identified, challenging assumptions and conclusions, and holding others accountable for expected behaviors.
  • Understand and communicate the bank’s risk appetites in the oversight activities of the role and demonstrate self-governance in line with appetites.
  • Provide input into the establishment of credit limits, risk assessments, policy changes, and portfolio review for assigned areas of oversight.
  • Document oversight activities and incorporation of data as a tool to guide behaviors aligned with desired risk culture.
• Adjudication/Underwriting
  • Assess and advise on the creditworthiness of proposed transactions in a manner that balances the bank’s risk appetites and priorities with the customer’s ambitions.
  • Set expectations on opportunities through input in the pre-screen process for new deals.
  • Approve or decline credits within established designated lending authority for the groups covered.
  • Assess and recommend for approval all credits being presented to CCO coming from the groups covered, highlighting the key risks and mitigants.
  • Escalate changes/issues in credit quality, behavior, structures, specific portfolios etc.
• Portfolio Management
  • Participate as a member of the bank’s problem loan committee (CAMP), providing oversight and challenge of the management of problem credits.
  • Coordinate Credit Risk Management’s participation in quarterly portfolio reviews completed by the line of business, demonstrating an understanding of deteriorating situations trends within the portfolio
  • Monitor changes in the economic environment and understand the potential impact on the portfolio. Coordinate efforts to report on trends/changes/risk issue to CCO and senior management.
• Independent Oversight
  • Ensure credit parameters on new loan opportunities are in accordance with the Bank’s credit policies, standards, and risk objectives.
  • Ensure that all recommended risk ratings conform to the Bank’s risk rating framework.
  • Review exceptions, the analysis within the LP, and risks/mitigants to ensure that documented analysis aligns with expectations.
• People Management
  • Coordinate an effective Adjudication team that evaluates facts, asks insightful questions, and has open dialogue with the 1st line of defense, while also providing effective challenge to the assumptions and conclusions reached by the 1st line of defense.
  • Oversee the Independent Oversight, Portfolio Management oversight, risk culture, and adjudication/underwriting oversight for all adjudicators covering lending groups.
  • Ensure the team is meeting responsiveness expectations to assist in client satisfaction by maintaining adequate staffing levels, establishing timeliness requirements, and monitoring these items. Ensure that interactions with the 1st line of defense are done in a considerate and respectful manner.
  • Lead the team toward incorporation of data into the decision-making process, prioritizing documentation of activities and conclusions in an effort to shape behavior.

CROSS-FUNCTIONAL RELATIONSHIPS

·Supporting the US Region SBUs [Commercial Banking, Syndications]

·Infrastructure Partners [Tr