Credit Risk Assessment Specialist

1 week ago

Metairie, United States TEXAS DEPARTMENT OF BANKING Full time

Organization: TEXAS DEPARTMENT OF BANKING

Primary Location: Texas

Job Category: Business and Financial Operations

Employee Status: Regular

Schedule: Full-time (Standard Hours Per Week: 40.00)

Travel: Yes, 50% of the Time

Salary: $8,055.50 (Monthly)

Number of Openings: 2

Overtime Status: Exempt

Mission: The Texas Department of Banking is dedicated to maintaining a secure, sound, and competitive financial services environment.

General Overview:

This position is a non-commissioned examiner role responsible for conducting comprehensive examination work related to credit risk evaluation and management practices for a diverse range of moderately complex borrowing relationships. The role entails performing credit assessments during on-site evaluations, analyzing internal reports, engaging with bank management, reviewing industry data, and researching risk-related topics impacting the financial services sector. The position reports to the Regional Director and operates under limited supervision, allowing for significant initiative and independent judgment.

Key Responsibilities:

  • Plan and execute credit risk examination activities.
  • Develop comprehensive reports and submit findings to the Examiner-in-Charge.
  • Ensure adherence to departmental policies and procedures, as well as state and federal regulations.
  • Conduct ongoing reviews of credit-related bank reporting.
  • May supervise staff assisting in credit evaluations.
  • Represent the Department of Banking at board and management meetings.
  • Collaborate extensively with federal regulators to ensure coordinated examination activities.
  • Participate in Shared National Credit reviews as a voting member.
  • Assist the Examiner-in-Charge as required.
  • Perform other duties as assigned.

Qualifications:

Required Minimum Qualifications:

  • Graduation from an accredited four-year college or university with a major in finance, accounting, business administration, economics, or a related field, including a minimum of six hours in accounting.
  • Six years of credit review experience with a bank regulatory agency, credit review firm, financial institution, or asset management resolution firm, or ten years of commercial lending experience as a senior officer with a depository institution.

Preferred Qualifications:

  • Experience with a financial institution is desirable.
  • Completion of graduate banking school.
  • Bilingual in Spanish and English with strong communication skills.

Special Requirements:

  • Position requires at least 50% overnight travel.
  • Must possess or obtain a valid Texas Driver's license within six months.
  • Demonstrated personal financial responsibility and integrity is essential.
  • Final applicants may undergo an employment credit check, driving record check, and criminal background check.

Knowledge, Skills, and Abilities:

  • Excellent oral and written communication skills.
  • Proficient in the use of personal computers, including Microsoft Word and Excel.
  • Expertise in credit risk measurement and risk management practices.
  • Knowledge of statutory requirements and business operating procedures.
  • Ability to review and audit financial data and records effectively.
  • Self-motivated with the ability to exercise initiative and independent judgment.
  • Ability to maintain confidentiality and handle sensitive information.

Physical and Cognitive Requirements:

This position primarily involves sedentary office work, but mobility is required for certain duties. It necessitates regular use of computers, copiers, printers, and telephones, along with client/customer interaction. The role demands the ability to learn, recall, and apply specific practices and policies while maintaining attention to detail.

Application Process:

Applications should be submitted online through the designated recruitment platform. Resumes may be attached as a supplement but will not be accepted in lieu of the job submission. Ensure that your application is complete and thorough, including all required information.

Equal Opportunity Employer: The Texas Department of Banking is an Equal Opportunity Employer and does not discriminate based on race, color, religion, sex, national origin, veteran status, age, or disability in employment or service provision.

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