Credit Risk Management Officer

Summary Analyzes credit data and financial statements of individuals and/or firms to determine the degree of risk involved by performing the following duties for the preparation of the allowance for credit loss calculation and preparation of forward looking stress tests.

Essential Duties and Responsibilities include the following.

• Identifies and analyzes areas of potential risk to the assets, earning capacity, or success of organization.
• Gathers risk-related data from internal or external resources in order to analyze credit data and financial statements to determine the degree of risk involved.
• Analyzes appraisals and performs credit analysis for portfolio stress testing while relying on experience and judgment.  Portfolio stress testing (including all Commercial Real Estate (CRE) loans, together with construction, multifamily and commercial real estate for investment purposes; and   C & I and consumer loans) is used to develop contingency planning.
• Reviews individually evaluated loans and qualitative factors for collectively evaluated loans in preparation of the Allowance for Credit Loss Calculation.
• Manages special projects as assigned by Credit Risk Manager requiring a certain degree of creativity and latitude.

Additional Duties may include the following.

• Provides additional assistance as needed by Credit Risk Manager.

Supervisory Responsibilities                                                    

This job has no supervisory responsibilities.

Competencies - To perform the job successfully, an individual should demonstrate the following competencies:

Analytical and Design - Synthesizes complex or diverse information; Collects and researches data; Demonstrates attention to detail.

Problem Solving - Gathers and analyzes information skillfully; Works well in group problem solving situations.

Project Management - Completes projects on time and budget.

Interpersonal Skills/Customer Service - Maintains confidentiality; Listens to others without interrupting; Remains open to others' ideas and tries new things; Responds promptly to customer needs; Responds to requests for service and assistance; Meets commitments.

Oral and Written Communication - Speaks clearly and persuasively in positive or negative situations; Listens and gets clarification; Responds well to questions; Writes clearly and informatively; Edits work for spelling and grammar; Presents numerical data effectively; Able to read and interpret written information.

Teamwork - Balances team and individual responsibilities; Contributes to building a positive team spirit; Puts success of team above own interests.

Business Acumen - Understands business implications of decisions.

Organizational Support - Follows policies and procedures; Completes administrative tasks correctly and on time; Supports organization's goals and values; Supports affirmative action and respects diversity.

Judgment - Displays willingness to make decisions; Exhibits sound and accurate judgment; Supports and explains reasoning for decisions; Includes appropriate people in decision-making process; Makes timely decisions.

Planning/Organizing - Prioritizes and plans work activities; Uses time efficiently.

Professionalism - Approaches others in a tactful manner; Reacts well under pressure; Treats others with respect and consideration regardless of their status or position.

Quality and Quantity - Demonstrates accuracy and thoroughness; Completes work in timely manner.

Adaptability and Initiative - Adapts to changes in the work environment; Asks for and offers help when needed.

Attendance/Punctuality and Dependability - Is consistently at work and on time; Arrives at meetings and appointments on time; Follows instructions, responds to management direction; Commits to long hours of work when necessary to reach goals.

Qualifications To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education / Experience                                                              

Bachelor's degree (B. A.) from four-year college or university, with Finance or Accounting degree required.  Also minimum of ten years related experience required with background as either experienced loan auditor or bank examiner preferred.