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Credit Risk Reviewer
Zions Bancorporation
Houston, TX, United States
Job Details - this job has expired, please see similar jobs below
Description
• Responsible for analyzing and conducting credit risk analysis for loan products, including business and commercial real estate loans.
• Identify credit and documentation risk, analyzes financial data and identify evolving risk patterns.
• Responsible for assessing the accuracy of risk ratings, evaluation as to adherence to underwriting and credit policy standards.
• Tests for compliance with company policies, procedures and banking regulations.
• Reviews credit files for financial stability, cash flow, collateral accuracy, documentation and the borrowers to identify weaknesses.
• Reviews spreads and analyze financial statements for ability to pay.
• Determine appropriate risk grades.
• Write examination reports with conclusions and makes recommendations for corrective actions when necessary.
• Assist the special asset group workout officers as needed.
• Follow up to determine that approved recommendations in examination reports are instituted and complied with. Sr level may lead or assist lower level staff as assigned.
• Other duties as assigned.
Qualifications
• Typically requires a Bachelor's in Business, Finance or a related field and 2+ years experience with credit analysis, credit risk, loans, lending and auditing processes and procedures or other directly related experience.
• A combination of education and experience may meet requirements.
• Working knowledge of loan products, including business and commercial real estate loans, auditing procedures, credit, accounting, statistical analysis, legal requirements and government regulations.
• Solid customer relations and communication skills, both written and verbal.
• Strong attention to detail.
• Ability to analysis and resolve problems. Ability to challenge the status quo, make recommendations and sound conclusions.
• Working knowledge of pc software.