Senior Credit Review Examiner

4 weeks ago

Santa Ana, California, United States Banc of California Full time
Job Summary

Banc of California is seeking a highly skilled Senior Credit Review Examiner to join our team. As a key member of our Credit Review department, you will be responsible for conducting independent credit examinations on credits within loan portfolios to evaluate credit risk management processes for loan originations and portfolio management.

Key Responsibilities
  • Develop and implement a continuous monitoring program of lending unit portfolios to track key risk, performance metrics, and trends that indicate characteristics of possible credit deterioration and emerging risks.
  • Identify, recommend, and affect process changes in credit portfolio management activities, including new business lending programs, underwriting, and portfolio management requirements.
  • Recommend credit policy changes/enhancements to further improve processes or ensure alignment with regulatory requirements.
  • Correctly identify weaknesses in portfolio management practices that do not accurately identify correct risk ratings in line with bank policy and regulatory guidance, leading to large risk rating variances.
  • Opine on management's ability to adequately administer credit risk loan exposures and concentrations inherent in individual Banking Unit portfolios.
  • Analyze and review credits within the bank's product suite that encompass various commercial and retail credit types, including verification of financial analysis, global cash flow, and repayment sources that help define asset quality.
  • Evaluate and monitor compliance with Credit Policies, Standards, and Procedures to ensure proper controls are in place to satisfy regulatory requirements and ensure best practices.
  • Identify exceptions to policy that are properly mitigated and surface unapproved policy and underwriting exceptions, as well as findings based on process weaknesses and systemic issues.
  • Act as examiner in charge (EIC) and lead examinations, including examiner resources, and effectively plan, coordinate, and oversee all aspects of comprehensive portfolio review activities.
  • Develop risk-based findings from review results and make meaningful recommendations to management to develop corrective action plans to address concerns.
  • Provide training and guidance to less experienced examiners, when appropriate, and serve as a subject matter expert in portfolio asset classes and specialized loan/credit risk products.
  • Promote a collaborative team approach within Credit Review as well as with other line of business units, maintain effective working relationships with lending unit management, credit administration, internal audit, and external 3rd parties.
  • Promote effective communication with internal and external resources.
  • Independently complete special assignments, such as due diligence examinations, task force projects, or specific ad hoc reviews delegated by Credit Review Management.
Requirements
  • Demonstrate knowledge of, adherence to, monitoring and responsibility for compliance with state and federal regulations and laws as they pertain to this position, including Regulation Z, Regulation B, Fair Housing Act, Home Mortgage Disclosure Act, Real Estate Settlement Procedures Act, National Flood Insurance Act, Financial Institutions Reform, Recovery, and Enforcement Act, Supervisory Loan to Value, Fair Credit Reporting Act, Bank Secrecy Act, Anti-Money Laundering, Customer Information Program, Right to Financial Privacy Act, Community Reinvestment Act, Uniform Standards of Professional Appraisal Practice, and others.
  • Advanced, demonstrated knowledge of credit risk management techniques, credit regulatory guidance, and bank credit administration.
  • Advanced, demonstrated knowledge of accounting rules applicable to lending activities, related state and federal laws and regulations, and other Bank policies and standards.
  • Thorough understanding of analyzing various types of commercial and consumer credits.
  • Must be able to work successfully in a client-focused, consultative work environment.
  • Strong understanding of analyzing various types of middle market and specialty credits.
  • Advanced skills in personal computing; Microsoft Office applications, including Word, Excel, PowerPoint, and Outlook.
  • Advanced data analytics skills.
  • Advanced credit analysis and math skills; calculate interest and percentages; balance accounts; add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals; locate routine mathematical errors; compute rate, ratio, and percent, including the drafting and interpretation of bar graphs.
  • Effective organizational and time management skills.
  • Ability to provide consultation and expert advice to management.
  • Ability to deal with complex, difficult problems involving multiple facets and variables in non-standardized situations.
  • Ability to work with little to no supervision while performing duties.
  • Bachelor's Degree from an accredited College or University and a minimum of seven (7) years commercial lending/credit risk management experience, including underwriting, portfolio risk management, or other credit risk-related work experience and/or training.
  • Minimum 5 years' experience in credit examination, credit administration, or as a commercial lender, regulator, or credit officer recommended.
  • Completion of Credit Risk Certification or a formal credit program at a commercial bank preferred.
  • Experience of working within credit databases for analysis purposes and to formulate reports preferred.
Salary Range

$114,000.00 USD; Final salary to be determined by the education, experience, knowledge, skills, and abilities of the applicant, internal equity, and alignment with geographic/market data.

Banc of California is an equal opportunity employer committed to creating a diverse workforce. All qualified applicants will receive consideration for employment without regard to age (40 and over), ancestry, color, religious creed (including religious dress and grooming practices), denial of Family and Medical Care Leave, disability (mental and physical) including HIV and AIDS, marital status, medical condition (cancer and genetic characteristics), genetic information, military and veteran status, national origin (including language use restrictions), race, sex (which includes pregnancy, childbirth, breastfeeding, and medical conditions related to pregnancy, childbirth, or breastfeeding), gender, gender identity, gender expression, and sexual orientation. If you require reasonable accommodation as part of the application process, please contact Talent Acquisition Partner.

  • Senior Credit Review Examiner

    3 weeks ago

    Santa Ana, California, United States Banc of California Full time

    Job Summary:As a Senior Credit Review Examiner at Banc of California, you will be responsible for conducting independent credit examinations on credits within loan portfolios to evaluate credit risk management processes for loan originations and portfolio management. Your goal will be to confirm asset and portfolio quality, ensuring that risk-rated assets...

  • Senior Credit Review Examiner

    3 weeks ago

    Santa Ana, California, United States Banc of California Full time

    Job Summary:As a Senior Credit Review Examiner at Banc of California, you will be responsible for conducting independent credit examinations on credits within loan portfolios to evaluate credit risk management processes for loan originations and portfolio management. Your goal will be to confirm asset and portfolio quality, ensuring that risk-rated assets...

  • Senior Credit Review Examiner

    17 hours ago

    Santa Ana, California, United States Banc of California Full time

    Job SummaryBanc of California is seeking a highly skilled Senior Credit Review Examiner to join our team. As a key member of our Credit Review department, you will be responsible for conducting independent credit examinations on credits within loan portfolios to evaluate credit risk management processes for loan originations and portfolio...

  • Senior Credit Review Examiner

    4 weeks ago

    Santa Ana, California, United States Banc of California Full time

    Job SummaryBanc of California is seeking a highly skilled Senior Credit Review Examiner to join our team. As a key member of our Credit Review department, you will be responsible for conducting independent credit examinations on credits within loan portfolios to evaluate credit risk management processes for loan originations and portfolio management.Key...

  • Senior Credit Review Examiner

    4 weeks ago

    Santa Ana, California, United States Banc of California Full time

    Job SummaryBanc of California is seeking a highly skilled Senior Credit Review Examiner to join our team. As a key member of our Credit Review department, you will be responsible for conducting independent credit examinations on credits within loan portfolios to evaluate credit risk management processes for loan originations and portfolio management.Key...

  • VP, Senior Credit Review Examiner

    5 days ago

    Santa Ana, California, United States Banc of California, N.A. Full time

    Job SummaryWe are seeking a highly skilled VP, Senior Credit Review Examiner to join our team at Banc of California, N.A. This role is responsible for conducting independent credit examinations on credits within loan portfolios to evaluate credit risk management processes for loan originations and portfolio management.Key ResponsibilitiesEvaluate credit risk...

  • Senior Vice President, Credit Review Director

    3 weeks ago

    Santa Ana, California, United States Banc of California Full time

    Job SummaryThe Senior Vice President, Credit Review Director is a critical leadership role responsible for overseeing the independent Credit Review function of Banc of California. This position ensures the team's compliance with the Credit Review Policy, executes the annual Credit Review Plan, and manages internal staff and third-party co-source resource...

  • Senior Vice President, Credit Review Director

    3 weeks ago

    Santa Ana, California, United States Banc of California Full time

    Job SummaryThe Senior Vice President, Credit Review Director is a critical leadership role responsible for overseeing the independent Credit Review function at Banc of California. This position ensures the team's compliance with the Credit Review Policy, executes the annual Credit Review Plan, and manages internal staff and third-party co-source resource...

  • Senior Vice President, Credit Review Director

    4 weeks ago

    Santa Ana, California, United States Banc of California Full time

    Job SummaryThe Senior Vice President, Credit Review Director is a critical leadership role responsible for overseeing the independent Credit Review function at Banc of California. This position ensures the team's compliance with the Credit Review Policy, executes the annual Credit Review Plan, and manages internal staff and third-party co-source resource...

  • Credit and Collections Specialist

    3 weeks ago

    Santa Ana, California, United States Sysco - Newport Meat Southern California Full time

    Job Summary:Under the direction of the Credit Manager, the Credit Analyst will review new and existing accounts for credit worthiness. The Credit Analyst will assist Credit Associates with third-party and bad debt accounts while building working relationships with internal and external customers. The Credit Analyst will also prepare reports relevant to...

  • Credit and Collections Specialist

    2 weeks ago

    Santa Ana, California, United States Sysco - Newport Meat Southern California Full time

    Job SummaryWe are seeking a highly skilled Credit and Collections Analyst to join our team at Sysco - Newport Meat Southern California. As a key member of our Credit Department, you will be responsible for reviewing new and existing accounts for credit worthiness, analyzing customer credit applications, and managing credit hold policy.Key...

  • Senior IT Project Manager

    3 weeks ago

    Santa Ana, California, United States Orange County's Credit Union Full time

    Job OverviewOrange County's Credit Union is seeking a highly skilled Senior IT Project Manager to lead the delivery of medium to large-scale technical and non-technical projects. As a key member of our PMO department, you will work closely with leadership to ensure projects are aligned with our mission to put people first.Key ResponsibilitiesManage multiple...

  • Senior IT Project Manager

    1 week ago

    Santa Ana, California, United States O. C. Credit Union Full time

    Senior IT Project ManagerAt O. C. Credit Union, we're seeking a highly skilled Senior IT Project Manager to lead our medium to large-scale technical and non-technical projects. As a key member of our PMO department, you'll work closely with leadership to ensure our projects align with our mission to put people first.Key Responsibilities:Manage multiple...

  • Tax Manager or Senior Manager, Research and Development Tax Credits

    7 days ago

    Santa Clara, California, United States KPMG Full time

    Unlock Your Potential as a Tax Manager or Senior ManagerAt KPMG, we're seeking a highly skilled Tax Manager or Senior Manager to join our Accounting Methods and Credit Services practice. As a key member of our team, you'll have the opportunity to work on complex R&D tax credit consulting and project management projects, developing and sustaining excellent...

  • Tax Manager or Senior Manager, Research and Development Tax Credits

    3 weeks ago

    Santa Clara, California, United States KPMG Full time

    Unlock Your Potential as a Tax Manager or Senior ManagerAt KPMG, we're seeking a highly skilled Tax Manager or Senior Manager to join our Accounting Methods and Credit Services practice. As a key member of our team, you'll have the opportunity to work on complex R&D tax credit consulting and project management projects, developing and sustaining excellent...

  • Senior Vice President of Enterprise Risk Management

    2 weeks ago

    Santa Rosa, California, United States Redwood Credit Union Full time

    Job Title: Senior Vice President Enterprise RiskJob Summary:Redwood Credit Union is seeking a highly experienced Senior Vice President Enterprise Risk to lead our risk management and compliance efforts. As a key member of our leadership team, you will be responsible for evaluating, overseeing, and reporting on our enterprise risk management program,...

  • Insurance Claims Examiner

    4 weeks ago

    Santa Ana, California, United States VirtualVocations Full time

    VirtualVocations is seeking a skilled Claims Adjuster 1 to join our team in Ohio. As a key member of our customer support team, you will be responsible for providing exceptional service to our clients by promptly and courteously addressing incoming calls. Your attention to detail and organizational skills will be essential in verifying contract information,...

  • Senior Vice President Enterprise Risk

    1 week ago

    Santa Rosa, California, United States Redwood Credit Union Full time

    Job Title: Senior Vice President Enterprise RiskAt Redwood Credit Union, we are seeking a highly skilled and experienced Senior Vice President Enterprise Risk to join our team. As a key member of our leadership team, you will be responsible for developing and implementing effective risk management strategies to ensure the long-term success and sustainability...

  • Senior Accounting Professional

    4 weeks ago

    Santa Ana, California, United States Jobot Full time

    About the RoleWe are seeking a highly skilled Senior Accountant to join our team at Jobot. As a Senior Accountant, you will be responsible for ensuring the timely and accurate preparation of financial reports, including journal entries, accruals, and account reconciliations.Key ResponsibilitiesPartner with cross-functional teams to ensure accurate and timely...

  • DevOps Engineer

    1 week ago

    Santa Ana, California, United States Orange County's Credit Union Full time

    Job Title: DevOps EngineerOrange County's Credit Union is seeking a highly skilled DevOps Engineer to join our team. As a DevOps Engineer, you will play a critical role in evolving our DevOps practices and supporting the execution of cloud automation strategy to further advance the organization's strategic goals.Key Responsibilities:Participate in...