Sr Credit Risk Review Officer

3 weeks ago

Stuart, United States Seacoast National Bank Full time
Description

JOB SUMMARY:

Under the direction of the Director and/or Credit Risk Review Manager, the Credit Review Officer participates in the assessments of the Bank's commercial lending units to assess overall asset quality, risk and compliance with established underwriting policies, procedures, limits, and concentrations. Assess the quality, quantity, direction, and overall credit risk in the organization through planned vertical and horizontal reviews, oversight of portfolio monitoring functions such as watched assets reviews, portfolio reviews, new origination reviews, credit risk trends and other portfolio monitoring reporting. Provide objective assessments of credit risk management effectiveness, underwriting and credit analysis, portfolio monitoring, and problem loan management. Incumbent may lead smaller reviews as assigned, inclusive of preparation of summary, findings, and recommendations. Incumbent may contribute to synthesize multiple pieces of information with review findings to perform overall analysis of the area reviewed.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

  • Participate in Credit Review examinations.
  • Assist in the necessary sampling, define scope and type of review.
  • Review required documentation for loan review testing, inclusive of credit file reviews and complete necessary line sheets.
  • Prepare written summary report of findings/observations.
  • Communicate findings to Line of Business, Senior leadership.
  • Assess asset quality, status, and appropriateness of existing risk controls/compliance with established underwriting policies/risk tolerance.
  • Ensure underwriting credit analysis is sound and justifies/mitigates the identified credit risk.
  • Ensure credit culture is consistent throughout organization and represents approved credit risk appetite.
  • Assess risk rating integrity and timeliness of rating changes.
  • Ensure appropriate specific reserves are in place and charge-off are taken timely.
  • Ensure appropriate workout and pre-workout strategies are identified, tracked, and validated.
  • Follow up and track recommended Issue remediation from prior reviews.
  • Review various management credit risk reporting to identify emerging risks.
  • Perform continuous monitoring of the Bank's portfolios through participation in quarterly reviews, horizontal exams and/or attend portfolio management meetings.
  • Monitor historical performance through review of various credit metrics and credit risk reporting.
  • Determines the accuracy of assigned internal credit risk ratings, non-compliance with Bank policies and procedures, loan weaknesses so that timely corrective actions can be taken, violations of laws and regulations and inadequate credit/collateral documentation.
  • Identifies, recommends, and effects process changes related to credit risk management activities.
  • Interprets and evaluates Loan Policy and assures that proper credit controls are in place to appropriately manage credit risk. Monitors adherence to such policies and validates that exceptions are adequately identified, mitigated, and properly approved.
  • Maintains awareness of the current regulatory/industry trends impacting the Bank's credit areas.
  • Promotes teamwork within the department to ensure that knowledge and experience is shared among team members.
  • Prepares departmental reports and other portfolio reporting as requested by management.
  • Completes all required training and special projects as requested.
  • Proficient writing skills to effectively communicate in a clear, concise, and persuasive manner.
  • Ability to evaluate all facts independently and objectively before making decisions.
  • Listens well and is willing to consider the opinion, perspectives of others.
  • Ability to make sound decisions and to recognize potential problems and propose recommendations for corrective action.
  • Must be well-organized, accurate, and attentive to detail.
  • Self-starter and able to work independently.
  • Ability to interact with Senior Leadership Team, Commercial bankers, Underwriters, Credit analysts, Credit Administrators, and other management when appropriate and under the direction of the Director of Credit Risk Review.
  • Cooperative and wiling to assist others.
  • Willing to take advantage of training opportunities as available to enhance knowledge and job skills.
  • Professional in appearance.
  • This job description in no way states or implies that these are the only duties to be performed by the employee in this position. The employee will be required to follow any other job-related instructions and to perform any other job-related duties requested by the Credit Risk Review Manager or Director & Head of Credit Risk Review.
  • Adhere to Seacoast Bank's Code of Conduct.

EDUCATION and/or EXPERIENCE:

  • College degree, (BA/BS) Accounting/Finance/Economics/Business or equivalent.
  • Formal credit training desired.
  • 5-7+ years banking experience, preferably concentrated in commercial credit risk functions, commercial loan review, regulatory environment or commercial lending and underwriting.
  • Excellent written and verbal communication skills, exceptional understanding/competency in regulatory matters and compliance.
  • Strong working knowledge of Commercial Loan policies/procedures.
  • Strong working knowledge of select commercial business segments.
  • Strong working knowledge/ industry expertise of regulatory matters.
  • Ability to effectively interact and communicate with peers and with senior management across the Bank.
  • Thorough knowledge and operational skills in the use of personal computers and various software packages, including MS Office applications.


Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)

  • Sr Credit Risk Review Officer

    4 weeks ago

    Stuart, United States Seacoast Bank Full time

    Job DescriptionJob DescriptionJOB SUMMARY:Under the direction of the Director and/or Credit Risk Review Manager, the Credit Review Officer participates in the assessments of the Bank’s commercial lending units to assess overall asset quality, risk and compliance with established underwriting policies, procedures, limits, and concentrations. Assess the...

  • Credit Risk Quantitative Analyst

    3 weeks ago

    Stuart, United States Seacoast Bank Full time

    Job DescriptionJob DescriptionThis Position is Located at our Headquarters in Stuart, FL. JOB SUMMARY:The Credit Risk Data Scientist or Quantitative Analyst is responsible for developing consistent and coherent sets of models and analytical tools for credit risk measurement, management and reporting across Seacoast Bank. Activities range from model design,...

  • Credit Risk Quantitative Analyst

    1 week ago

    Stuart, United States Seacoast Bank Full time

    This Position is Located at our Headquarters in Stuart, FL. JOB SUMMARY: The Credit Risk Data Scientist or Quantitative Analyst is responsible for developing consistent and coherent sets of models and analytical tools for credit risk measurement, management and reporting across Seacoast Bank. Activities range from model design, development, implementation,...

  • Credit Risk Quantitative Analyst

    2 weeks ago

    Stuart, United States Seacoast Bank Full time

    Description This Position is Located at our Headquarters in Stuart, FL. JOB SUMMARY: The Credit Risk Data Scientist or Quantitative Analyst is responsible for developing consistent and coherent sets of models and analytical tools for credit risk measurement, management and reporting across Seacoast Bank. Activities range from model design, development,...

  • Credit Data Strategy

    3 weeks ago

    Stuart, United States Seacoast Bank Full time

    Job DescriptionJob DescriptionLocation: This position sits at our Corporate Headquarters in Stuart, FLJOB SUMMARY:The Credit Data Strategy & Reporting is responsible for enterprise-wide governance and the integrity and usage of data during its lifecycle and for internal and external reporting. The Credit Data Czar will use their analytic and technical skills...

  • Credit Data Strategy

    24 hours ago

    Stuart, United States Seacoast Bank Full time

    Description Location: This position sits at our Corporate Headquarters in Stuart, FL JOB SUMMARY: The Credit Data Strategy & Reporting is responsible for enterprise-wide governance and the integrity and usage of data during its lifecycle and for internal and external reporting. The Credit Data Czar will use their analytic and technical skills for improving...

  • Loan Assistant/Specialist

    2 weeks ago

    Stuart, Florida, United States Department Of Agriculture Full time

    Summary This position is located in the Farm Service Agency, South Dakota State Office, District 5, located in Martin, Bennett County, South Dakota.This position assists the Farm Loan Manager in administering farm loan programs in a USDA Service Center serving one or more Counties.Direct Hire Authority: This position is being filled through the Office of...

  • Collateral Specialist

    2 weeks ago

    Stuart, United States Seacoast Bank Full time

    Job DescriptionJob DescriptionLocation: Will work onsite at our office in Stuart, FL.JOB SUMMARY:Performs the functions required in the Collateral Vault related to Commercial Real Estate, Commercial C&I, SBA, Construction, Consumer and Marine loans as well as letters of credit. Responsible for ensuring loan packages are received and executed in accordance...

  • Collateral Specialist

    24 hours ago

    Stuart, United States Seacoast Bank Full time

    Description Location: Will work onsite at our office in Stuart, FL. JOB SUMMARY: Performs the functions required in the Collateral Vault related to Commercial Real Estate, Commercial C&I, SBA, Construction, Consumer and Marine loans as well as letters of credit. Responsible for ensuring loan packages are received and executed in accordance with Bank...

  • Payments Specialist II

    2 weeks ago

    Stuart, United States Seacoast Bank Full time

    Job DescriptionJob DescriptionPRIMARY OBJECTIVE:Has responsibility for the completion of day to day activities including but not limited to wire, debit card, ACH, check clearing and credit card operations. The Payments Specialist II will be responsible for creating positive customer experiences, mitigating potential losses to the bank and displaying strong...

  • Collections Analyst

    5 days ago

    Stuart, United States NUCO2 INC. Full time

    ESSENTIAL DUTIES AND RESPONSIBILITIES: * Reviews files to select delinquent accounts for collection efforts. * Utilizes a wide variety of financial analysis tools to examine customers for potential risk via their liquidity, leverage ratios and forecasting trends, and calculate creditworthiness for customers. * Evaluates customer records and recommends that...

  • Accounts Payable Analyst

    1 week ago

    Stuart, United States MILLENNIUMSOFT Full time

    Job Title - Accounts Payable Analyst Location - Stuart, FL [Remote BUT preferably living close to the Stuart, FL area] Duration - 7+ Months Contract Total Hours/week - 40.00 1st Shift Client: Medical Device Company Employment Type: Contract on W2 (Need US Citizens Or GC Holders Only) No H1B's Description: Responsible for reviewing customer refund...

  • RN |Telehealth Nurse

    2 hours ago

    Stuart, United States VNA of Florida Full time

    The Visiting Nurse Association of Florida is a 45+ year old Service Driven organization that prides itself in Excellence. We seek Motivating professionals who will join our committed team as a Telehealth Nurse.Our ideal candidate will possess excellent communication skills while providing the highest level of customer service to internal and external...

  • Accounting Assistant

    3 weeks ago

    Stuart, United States Copag USA INC Full time

    Job DescriptionJob DescriptionWe are seeking a detail-oriented and organized individual to join our team as an Accounting Assistant. The Accounting Assistant will play a crucial role in supporting our financial operations by assisting with various accounting tasks. This is an excellent opportunity for someone looking to gain experience in the field of...

  • Collections Analyst

    5 days ago

    Stuart, United States NUCO2, INC. Full time

    Reviews files to select delinquent accounts for collection efforts. Utilizes a wide variety of financial analysis tools to examine customers for potential risk via their liquidity, leverage ratios and forecasting trends, and calculate creditworthines Collections Analyst, Collections, Analyst, Accounting, Manufacturing, Technology

  • Bookkeeper

    3 weeks ago

    Stuart, United States Dynamic Metals Full time

    Job DescriptionJob DescriptionBookkeeperKey Competencies:Accounting and Bookkeeping experience with QuickBooks Planning and Organization Multi-Tasking Solid Communication and Organizational Skills Team Player Bi-Lingual preferredSpecific Responsibilities include: Daily entry of transactions to QuickBooks including: Daily collections and review of AR Aging...

  • Administrative Assistant

    4 weeks ago

    Stuart, United States Marine Ventures International, Inc. Full time

    Job DescriptionJob DescriptionAdmin Assistant/BookkeeperMarine Ventures International, Inc. (MVI) is a marine science and technical services consulting firm that provides environmental services worldwide. MVI seeks an admin assistant/bookkeeper. This position will be based out of MVI’s Stuart, FL office.POSITION SUMMARY:This position will be part-time, 20...

  • Bookkeeper / Staff Accountant / Administrative Assistant

    2 weeks ago

    Stuart, United States Home Office Full time

    Job DescriptionJob DescriptionWe are looking for a Staff Accountant Bookkeeper / Administrative Assistant to join our team! You will be responsible for QuickBooks entries, including AP and AR functions, Bank Reconciliations, preparing and running financial reports for our company.Responsibilities:Entering Payable invoices and sales tax payments, including...

  • Support Engineer

    3 days ago

    Stuart, United States Seacoast Bank Full time

    Summary Provide telephone and on-site technical support to Seacoast Bank (associates for all desktop banking applications, desktop operating systems, desktop office productivity software, laptop hardware, desktop hardware, printers, and other peripherals. Also, operate and maintain printers for daily check, statement and notice printing. Essential Duties and...

  • Weighmaster/cashier

    2 days ago

    Stuart, United States SA Recycling LLC Full time

    We are looking for a hard-working, reliable, and safety minded individual to join our team as a Nonferrous (NF) Weighmaster. As a Weighmaster you will be the primary point of contact with our customer and responsible for the accurate weighing, grading, and sorting of NF materials; and completing all required documentation and paperwork for the receipt and...