Credit Risk Review Officer Senior

CREDIT RISK REVIEW OFFICER SENIORWHAT IS THE OPPORTUNITY?The Credit Risk Review Department (CRR) is part of the 3rd line of defense, independent of all credit granting, adjudication, operations, and risk management practices performed by the 1st and 2nd lines of defense. CRR's mandate is to independently assess and opine upon the overall credit risk and effectiveness of credit risk management processes of the Bank. CRR also serves as an internal advisor to lending units and credit administration/risk management to identify, recommend, and effect process changes regarding credit risk management activities, regulatory issues related to credit risk, credit policy, and general credit underwriting guidelines.What you will doScope, lead and manage examinations of various types of credit portfolios and credit processes.Perform risk-based independent reviews of all types of CNB loan portfolios (including quality assurance document and underwriting reviews) to identify current or potential problems, as well as positive elements, regarding the assessment of credit risk and the administration of Bank credit/loan exposure.Determine the accuracy of assigned internal credit risk ratings, non-compliance with CNB policies and procedures, loan weaknesses so that timely corrective actions can be taken, violations of laws and regulations and inadequate credit/collateral documentation.Identify, recommend and effect process changes as related to credit risk management activities, regulatory statutes, credit policy, and general credit underwriting guidelines.Interpret and evaluate Bank Credit Policy and assure that proper credit controls are in place to appropriately manage credit risk. Monitor adherence to such policies and validate that exceptions are adequately identified, fully justified, and properly approved.Act as internal advisor/partner to CNB's line units regarding loan and credit matters and provide guidance in areas that require further development.Maintain awareness of the current regulatory/industry trends impacting the Bank's credit areas.Promote teamwork within the department to ensure that knowledge and experience are shared among team members.Prepare departmental reports and other portfolio reporting as requested by management.Comply fully with all Bank Operational and Credit policies and procedures as well as all regulatory requirements (e.g. Bank Secrecy Act, Know Your Client, Community Reinvestment Act, Fair Lending Practices, Code of Conduct, etc.).Complete all required training and special projects as requested.Must-HaveBachelor's Degree or equivalentMinimum 10 years of credit examination experience as a commercial lender, regulator, or credit review officerMinimum of 5 years of MS Office experienceSkills and KnowledgeCompletion of a formal credit training program at a commercial bank a plus.Previous experience in leading teams of examiners is highly desirable.Strong understanding of analyzing various types of middle market credits required.A thorough understanding of analyzing various types of commercial credit including corporate, syndicated, and leveraged loans is highly desired, along with an understanding of high net worth and private client lending and retail loan products.Thorough knowledge of Probability of Default (PD) and Loss Given Default (LGD) systems required.Must be able to lead a team of examiners in the successful completion of credit risk review activities and related projects.Must be able to work successfully in a client-focused, consultative work environment.Excellent interpersonal skills, strong verbal and written communication skills, and strong project management skills.Thorough knowledge and operational skills in the use of personal computers and various software packages, including Excel and Word.CompensationStarting base salary: $111,408 - $189,738 per year. Exact compensation may vary based on skills, experience, and location. This job is eligible for bonus and/or commissions.To be considered for this position you must meet at least these basic qualificationsThe preceding job description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job.INCLUSION AND EQUAL OPPORTUNITY EMPLOYMENTCity National Bank is an equal opportunity employer committed to diversity and inclusion. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status, or any other basis protected by law.ABOUT CITY NATIONALWe start with a basic premise: Business is personal. Since day one we've always gone further than the competition to help our clients, colleagues, and community flourish. City National Bank was founded in 1954 by entrepreneurs for entrepreneurs and that legacy of integrity, community, and unparalleled client relationships continues to drive phenomenal growth today. City National is a subsidiary of Royal Bank of Canada, one of North America's leading diversified financial services companies.

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