Credit Review Audit Manager

2 months ago

Columbus, United States Northwest LLC Full time
Job Summary

The Credit Review Audit Manager is responsible for coordinating and overseeing independent and objective assessments of Northwest's loan portfolios to determine whether all significant risks associated with the bank's environment are identified and appropriately reported to executive management and the Audit Committee. This position evaluates whether Credit risks are adequately controlled and challenges executive management to improve the efficiency of governance processes, risk management, and internal controls. The Credit Review Audit Manager will also assist is developing and implementing departmental standards and establishing the scope and strategy of review activities which aid in the evaluation of Northwest's loan portfolio's including collecting loan and information system data, analyzing documentation and financial data, and establishing account risk ratings. The Manager will be responsible for providing management with objective evaluations of the overall credit quality of the Bank from compliance with policies and procedures and other portfolio trends including geographic concentrations, climate risk and emerging credit risks while managing the day to workload of the Credit Review Audit team.

Essential Functions

  • Manage personal workload/workflow while managing day to day functions and workload of credit review staff in adherence to department objectives
  • Detect and assess common themes & emerging risks
  • Gather and analyze loan related financial information to assess overall strengths and weaknesses of the borrower/guarantor.
  • Identify early signs of loan problems
  • Validate or amend risk rating as appropriate
  • Facilitate completion of periodic loan review reports
  • Establish and execute credit review audit strategy
  • Oversight of target loan reviews based on emerging risk factors
  • Evaluate effectiveness of credit policies and procedures, identify weaknesses, provide suggestions for strengthening
  • Manage available credit review software to assure all scoping attributes adhered in line with policy and department objectives
  • Prepare executive summary reports to Audit Committee, senior management, department management
  • Maintain expert knowledge of relevant banking regulations and applicable accounting requirements
  • Manage day to day functions and workload of credit review staff in adherence to department objectives
  • Assist in the annual risk assessment process and development of the annual audit plan for assigned audits by applying knowledge of industry trends and the present environment. This includes scheduling and participating in meetings with management
  • Monitor major initiatives and projects in assigned areas and internal controls under development. This includes ongoing attendance at internal governance and steering committee meetings and ongoing meetings with senior and executive management
  • Coordinate and oversee validation testing prepared by the outsourced internal audit service provider and audit staff for open audit and regulatory findings in assigned areas or conduct independent validation testing, making sure that responses from management are received in a timely manner and audit evidence and testing support effective remediation
  • Oversee audits/reviews conducted by the outsourced service provider and credit audit staff in assigned areas. This includes tracking the status of audits, scheduling and participating in audit meetings, challenging scoping proposals, and reviewing audit workpapers and results
  • Ensure internal and outsourced work is performed in accordance with IIA standards and IAD policies and procedures
  • Administration/Training: Completion of firm-wide and departmental administration and training requirements
  • Ensure document and data integrity
  • Present relevant findings appropriately to the Audit Committee, senior management, department management and auditors
  • Maintain credit audit findings and regulatory examination issues within the Archer system
  • Maintain the quality control/quality assurance process within the Archer system
  • Additional Essential Functions
  • Essential Functions
  • Ensure compliance with Northwest's policies and procedures, and Federal/State regulations
  • Navigate Microsoft Office Software, computer applications, and software specific to the department to maximize technology tools and gain efficiency
  • Work as part of a team
  • Work with on-site equipment
  • Perform special reviews at the request of management


Education, Experience + Skills
  • Bachelor's degree in Accounting, Finance or Business Administration preferred
  • 12-15 years of Credit review/lending or business-related experience required
  • 6-8 years of Audit experience acquired in a financial services internal audit department, bank regulatory agency, or public accounting firm preferred
  • 3-5 years of experience in leading, coaching, and developing team members preferred
  • Ability to apply advanced financial analysis techniques
  • Ability to identify areas of risk regarding concentrations, climate, geography
  • Broad knowledge of Commercial/Consumer Credit, generally accepted accounting practices, generally accepted auditing practices Sarbanes Oxley Section 404, bank compliance standards and risk management framework


#LI-EK1

#LI-Hybrid

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)

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