Texas Capital Bank
Director Credit Review
Texas Capital Bank, Dallas, Texas, United States, 75215
Texas Capital is built to help businesses and their leaders. Our depth of knowledge and expertise allows us to bring the best of the big firms at a scale that works for our clients, with highly experienced bankers who truly invest in people’s success — today and tomorrow.
While we are rooted in core financial products, we are differentiated by our approach. Our bankers are seasoned financial experts who possess deep experience across a multitude of industries. Equally important, they bring commitment — investing the time and resources to understand our clients’ immediate needs, identify market opportunities and meet long-term objectives. At Texas Capital, we do more than build business success. We build long-lasting relationships.
Texas Capital provides a variety of benefits to colleagues, including health insurance coverage, wellness program, fertility and family building aids, life and disability insurance, retirement savings plans with a generous 401K match, paid leave programs, paid holidays, and paid time off (PTO).
Headquartered in Dallas with offices in Austin, Fort Worth, Houston, Richardson, Plano and San Antonio, Texas Capital was recently named Best Regional Bank in 2024 by Bankrate and was named to
The Dallas Morning News ’ Dallas-Fort Worth metroplex Top Workplaces 2023 and GoBankingRate’s 2023 list of Best Regional Banks.
For more information about joining our team, please visit us at
www.texascapitalbank.com .
Brief Overview of PositionCredit Review is an independent contributor to the second line of defense for Texas Capital Bank and provides credit assurance and advisory services to senior management and the Board of Directors. The Director of Credit Review will serve a critical role leading the Bank’s internal Credit Review team whose mission is to help ensure the financial soundness of the Bank by evaluating risk rating accuracy, monitoring adherence to credit policy and the quality of loan underwriting practices, as well as identifying, assessing, and escalating material credit risks/issues to the Board and other key stakeholders. To provide for independence, Credit Review reports functionally to the Risk Committee of the Board of Directors and administratively to the Chief Risk Officer.
Responsibilities
Develop annual credit review work plan to meet or exceed coverage goals
Manage a team of credit review officers and help execute all credit reviews in the work plan (both continuous reviews and targeted reviews)
Ensure that all credit reviews conform with established Credit Review procedures and regulatory guidelines.
Review and approve sample plans, completed linesheets, quarterly reports of reviews, and changes to the Bank’s credit policy
Objectively resolve/decision risk rating disputes, elevate findings/issues to relevant parties, and collaborate with frontline and 2nd line of defense colleagues to remediate issues
Report conclusions and takeaways of review activities to Credit Administration, business unit leaders, Executive Risk Committee, the Board’s Risk Committee, and the Bank’s regulators
Participate in certain internal working groups and committees
Perform follow-up to resolve and validate remediation of issues opened by Credit Review and other parties.
Develop and maintain constructive relationships with colleagues in the business units, Credit Administration and other groups in the Risk Organization, Internal Audit. Provide information and assistance when appropriate.
Maintain relevant knowledge of key credit-related risk, compliance, and legal matters.
Mentor/develop members of the Credit Review team
Qualifications
Bachelor's degree in Finance, Accounting, Economics, Banking, or related field or any combination of training, education, or experience
Minimum of ten (10) years demonstrated successful experience in underwriting, portfolio management or Credit Review of a commercial/wholesale lending portfolio, or comparable experience as a consultant or financial regulator with primary responsibility for the assessment and performance of commercial lending programs. Specific experience in determining risk ratings is required
Superior knowledge of and experience in underwriting financings of commercial real estate, C&I companies, and/or other specialized industry verticals
Strong organization and time management skills and an ability to work independently with limited supervision
Strong abilities to analyze data and identify trends and root causes
Proven people and project management skills
Excellent verbal and written communication skills
Ability to document conclusions clearly and concisely
Ability to function efficiently in a team environment
The duties listed above are the essential functions, or fundamental duties within the job classification. The essential functions of individual positions within the classification may differ. Texas Capital Bank may assign reasonably related additional duties to individual employees consistent with standard departmental policy. Texas Capital is an Equal Opportunity Employer.
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While we are rooted in core financial products, we are differentiated by our approach. Our bankers are seasoned financial experts who possess deep experience across a multitude of industries. Equally important, they bring commitment — investing the time and resources to understand our clients’ immediate needs, identify market opportunities and meet long-term objectives. At Texas Capital, we do more than build business success. We build long-lasting relationships.
Texas Capital provides a variety of benefits to colleagues, including health insurance coverage, wellness program, fertility and family building aids, life and disability insurance, retirement savings plans with a generous 401K match, paid leave programs, paid holidays, and paid time off (PTO).
Headquartered in Dallas with offices in Austin, Fort Worth, Houston, Richardson, Plano and San Antonio, Texas Capital was recently named Best Regional Bank in 2024 by Bankrate and was named to
The Dallas Morning News ’ Dallas-Fort Worth metroplex Top Workplaces 2023 and GoBankingRate’s 2023 list of Best Regional Banks.
For more information about joining our team, please visit us at
www.texascapitalbank.com .
Brief Overview of PositionCredit Review is an independent contributor to the second line of defense for Texas Capital Bank and provides credit assurance and advisory services to senior management and the Board of Directors. The Director of Credit Review will serve a critical role leading the Bank’s internal Credit Review team whose mission is to help ensure the financial soundness of the Bank by evaluating risk rating accuracy, monitoring adherence to credit policy and the quality of loan underwriting practices, as well as identifying, assessing, and escalating material credit risks/issues to the Board and other key stakeholders. To provide for independence, Credit Review reports functionally to the Risk Committee of the Board of Directors and administratively to the Chief Risk Officer.
Responsibilities
Develop annual credit review work plan to meet or exceed coverage goals
Manage a team of credit review officers and help execute all credit reviews in the work plan (both continuous reviews and targeted reviews)
Ensure that all credit reviews conform with established Credit Review procedures and regulatory guidelines.
Review and approve sample plans, completed linesheets, quarterly reports of reviews, and changes to the Bank’s credit policy
Objectively resolve/decision risk rating disputes, elevate findings/issues to relevant parties, and collaborate with frontline and 2nd line of defense colleagues to remediate issues
Report conclusions and takeaways of review activities to Credit Administration, business unit leaders, Executive Risk Committee, the Board’s Risk Committee, and the Bank’s regulators
Participate in certain internal working groups and committees
Perform follow-up to resolve and validate remediation of issues opened by Credit Review and other parties.
Develop and maintain constructive relationships with colleagues in the business units, Credit Administration and other groups in the Risk Organization, Internal Audit. Provide information and assistance when appropriate.
Maintain relevant knowledge of key credit-related risk, compliance, and legal matters.
Mentor/develop members of the Credit Review team
Qualifications
Bachelor's degree in Finance, Accounting, Economics, Banking, or related field or any combination of training, education, or experience
Minimum of ten (10) years demonstrated successful experience in underwriting, portfolio management or Credit Review of a commercial/wholesale lending portfolio, or comparable experience as a consultant or financial regulator with primary responsibility for the assessment and performance of commercial lending programs. Specific experience in determining risk ratings is required
Superior knowledge of and experience in underwriting financings of commercial real estate, C&I companies, and/or other specialized industry verticals
Strong organization and time management skills and an ability to work independently with limited supervision
Strong abilities to analyze data and identify trends and root causes
Proven people and project management skills
Excellent verbal and written communication skills
Ability to document conclusions clearly and concisely
Ability to function efficiently in a team environment
The duties listed above are the essential functions, or fundamental duties within the job classification. The essential functions of individual positions within the classification may differ. Texas Capital Bank may assign reasonably related additional duties to individual employees consistent with standard departmental policy. Texas Capital is an Equal Opportunity Employer.
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