ERM Senior Credit Review Officer
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POST DATE 8/25/2016
END DATE 10/12/2016
Cadence Bank N.A.
JOB DESCRIPTIONERM Senior Credit Review Officer
Independent file review of the bank s loan portfolios assessing risk in various areas related to industry, market, line of business or bank by assessing policy compliance, regulatory compliance, legal documentation, and note credit weaknesses or technical deficiencies.
Essential Job Duties
Reviews portfolio for quality, compliance, accuracy in risk grade and examines collateral documentation or other potential areas of exposure. Compile, analyze and test the data, summarize and prioritize review findings. Extensive knowledge and analysis of complex industry financials
Prepares and participates in bank and target examinations.
Reviewer in charge of examinations, selecting sample, preparation, review work of team members and completion/presentation of report.
Discuss findings with management; recommend improvements where appropriate to accomplish objectives.
Participates in continuous monitoring of portfolio.
Monitors industry trends for loan portfolio analysis.
Participates in due diligence team in analysis of risk in loan portfolio.
Makes recommendations to Director of Credit Review upon identification and analysis of elevated risk indicators.
Enable the Director to provide the BOD Risk Committee and senior management with an objective assessment of the overall loan portfolio quality.
May be required to assist Federal Regulators on periodic regulatory examinations.
Overnight travel may be required.
Must have experience in presentations to Management,creating and analyzing reports. Extensive working knowledge of computer programs.
Excellent oral and written communication skills.
A minimum of ten years in banking to include Credit Review or related experience in Lending, Credit Analysis, or Regulatory Agencies.
Bachelor s degree is required, preferably in Business Administration, Finance, or Accounting.
The above statements are intended to describe the general nature and level of the work being performed by people assigned to this work. This is not an exhaustive list of all duties and responsibilities. Cadence Management reserves the right to amend and change responsibilities to meet business and organizational needs as necessary.
Cadence Bank is an affirmative action/equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, religion, color, national origin, sex, age, status as a protected veteran, among other things, or status as a qualified individual with disability.