Credit Risk Analysis Supervisor

2 weeks ago


McAllen, Texas, United States Insight Global Full time

Position Overview: Reporting directly to the Chief Credit Officer, the Credit Risk Analysis Supervisor is responsible for leading a team of 10 credit analysts.

This position entails the evaluation of loan proposals, serving as the primary line of defense, ensuring the timely execution of responsibilities, and overseeing loan analysis and administration.

Key Responsibilities:

  • Oversee the Credit Analyst department to support the lending operations of the Bank.
  • Guide, mentor, and train credit analysts and/or loan officers in assessing the financial history and statements of credit applicants to determine creditworthiness.
  • Evaluate financial stability, cash flow sufficiency, and compute relevant ratios to ascertain the likelihood of complete repayment and the necessity for collateral or a guarantor.
  • Assist in the preparation of loan requests by completing credit analyses and credit memorandums for larger or more intricate loan applications for presentation to loan officers or committees.
  • Complete special projects as required.
  • Provide support to lenders regarding policy and loan inquiries.
  • Manage recruitment, daily operations, coaching, performance evaluation, and staff counseling.
  • Participate in job-specific and various training programs offered by the Bank.
  • Maintain up-to-date knowledge of internal risk management and loss prevention protocols, including reporting any suspicious or unusual customer activities in accordance with Bank policy, ensuring compliance among department personnel.
  • Ensure adherence to all federal and state regulations, laws, and established Bank policies and procedures, including internal audit controls.
  • Stay informed about all applicable rules, regulations, and laws related to BSA/OFAC/USA Patriot Act/CIP/AML, ensuring compliance among department personnel.

Diversity and Inclusion: We are dedicated to fostering diverse and inclusive workplaces where individuals can express their authentic selves every day. We are an equal opportunity/affirmative action employer that values every individual.

Qualifications:

  • Bachelor's degree in Accounting, Finance, or a related discipline.
  • Bilingual in Spanish with the ability to interpret Mexican financial statements.
  • Possession of any credit risk certifications is advantageous.
  • A minimum of eight years of experience as a Credit Analyst, Credit Risk Analyst, or Loan Officer within a financial institution.
  • At least four years of prior management experience, which may be outside of finance but must encompass full management responsibilities such as hiring, training, and performance reviews.
  • Comprehensive knowledge of commercial, trade finance, asset-based lending, loan documentation, financial statements, and cash flow analysis.
  • Proficiency in Windows, Microsoft Excel, and Word (basic functions).
  • Thorough understanding of credit risk principles.
  • Exceptional organizational, interpersonal, and communication skills.
  • Meticulous attention to detail and the capacity to perform tasks accurately amidst frequent interruptions.


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