Sr. Portfolio Credit Risk Review Officer

FVCbankSenior Portfolio Credit Risk Review Officer - Job Description

Title: Senior Portfolio Credit Risk Review Officer
Department(s): Credit Administration
Reports to: SVP/Director of Portfolio Credit Risk

Job Summary

The primary role of the Portfolio Credit Risk Review Officer position is to perform a detailed loan review of assigned loans, on an annual or more frequent basis, within the Bank’s portfolio. The purpose of this is to ensure covenant compliance, appropriate risk ratings, and monitoring for any deterioration in credit quality. The Portfolio Credit Risk Review Officer will work with the Lending team and the Relationship Managers for the collection of financial data necessary to perform the annual review.

Essential Job Functions

• Must have a comprehensive understanding of lending products, lending process and the Loan Review function as it relates to the review of lending portfolios. This includes understanding loan origination, loan maintenance, regulatory requirements, and regulatory examiners’ expectations.
• Complete and perform a detailed analysis using the Bank’s forms for annual/ quarterly reviews in a timely fashion and test financial covenant compliance within the assigned portfolio.
• Utilize sensitivity analysis, stress testing, market trend, and other analytical methodologies to anticipate any credit trends or deterioration and obtain insights into portfolio performance and market opportunities.
• Determine the degree of risk involved for individual loans within the portfolio and ensure loans are appropriately risk rated according to loan policy on an ongoing basis as assigned.
• Perform and monitor CRE market sectors on a quarterly basis as assigned.
• Analyze business and personal financial statements, cash flows and tax returns using Bank’s software applications.
• Supplement analysis with research and evaluations from a wide variety of sources such as the Bank’s data systems, Internet, Dunn & Bradstreet, RMA, CoStar, Lexis Nexis and general market databases in order to develop an assessment of client, competitor and industry risks and trends.
• Assist with the monitoring the collection of financial reporting requirements and clearing of items on loan exception report.
• Review and Approve Borrowing Base Certificates through the bank’s software.
• Perform other duties as assigned

Job Requirements

• Bachelor’s degree in Accounting or Finance or equivalent degree with work experience/training.
• Minimum of 6 years of experience in credit risk portfolio management, credit administration, loan origination, and/or credit analysis
• Ability to multi-task and perform duties with limited supervision
• Ability to navigate multiple software systems with a level of ease or minimal disruption in productivity; must feel comfortable in a digital environment.
• Ability to focus on task and be detail oriented – Must understand loan documents and common loan terms in credit files.
• Strong analytical skills – Must have knowledge of industry credit processes, lending policies, and current financial environments.
• Excellent written and verbal communication skills
• Advanced critical thinking skills
• Proficient in Microsoft Office Suite – Intermediate/Advanced PC skills for Microsoft Office (Word, Excel and Outlook).
• Must be familiar with moderate to complicated lending products and lending structures.
• Must be able to prioritize and organize assignments and meet strict deadlines.
• Must be able to compile data collected during reviews and interpret the data in narrative and analytical form to present the resulting review findings to senior management with nominal supervision.

Desired Skills

• Thorough understanding of the components of various financial statement types and formats.
• Thorough understanding of financial analysis required to perform annual review.
• Extended course work in accounting and/or finance.

Essential Functions

• Ability to sit, stand, kneel, and bend for extended periods of time.
• Must be able to operate a computer keyboard, mouse, and other computer components.
• Ability to converse and exchange information with all levels of staff within the organization.
• Ability to observe, perceive, and identify data.
• Ability to travel via air, rail, automobile, and/or bus.

Disclaimer

The position for which you are applying is one that would have access to cash, financial instruments, financial transactions, or confidential customer financial information. The Bank has determined that personal financial responsibility is substantially related to preventing misuse of misappropriation of financial instruments or information which is essential function of the position for which you are applying. A consumer report and additional background reports are requested of all applicants on that basis.

The above statements are intended to describe the general nature and level of work being performed by people assigned to this classification. They are not to be construed as an exhaustive list of all responsibilities, duties, and skills required of personnel so classified. All personnel may be required to perform duties outside of their normal responsibilities from time to time, as needed.

We are an Affirmative Action/EEO Employer. We do not discriminate on the basis of race, color, religion, national origin, physical or mental disability, protected veteran status, sex, gender identity, sexual orientation or any other characteristic protected by federal, state or local law.

Apply at www.fvcbank.com / Careers Tab