Financial Risk Manager

3 weeks ago


Denver, Colorado, United States City National Bank Full time

**Key Responsibilities**

- Review loan requests, LPAs, LP lists, PPMs, and historical financial information as relevant; evaluate and determine credit structure and terms; fully underwrite CRR consistent with Bank format, policies, and procedures; determine sources and uses of funds; analyze industry data, competitive factors, historical performance, projected results, risks, and mitigating factors.
- Attend client meetings at Relationship Manager, Team Manager, or Credit Manager's request to facilitate delivery of credit product and/or assist in problem resolution; contact borrowers directly for additional information and details related to loan request or clarification of financial materials and resources.
- Provide balanced and appropriate credit guidance to Relationship Manager and Manager and collaborate in determining appropriate credit strategy.
- Provide credit alternatives and creative ways to structure credits ensuring that transactions are within profitability and portfolio risk standards; author credit approval memorandum.
- Perform quarterly Problem Loan reporting for Criticized / Classified credits including: financial reviews of client's financial condition including monitoring covenants and conditions; take proactive approach toward development and implementation of Action Plans; escalate potential credit issues to Relationship Manager, Team Manager, and/or Credit Manager.
- Have primary role in early problem loan identification and timely and accurate changes in loan grades; monitor and take initiative to respond to past dues based in partnership with Relationship Manager.
- Maintain up-to-date knowledge on all Bank lending policies and regulations; confer with Credit Manager and appropriate Bank personnel regarding new/existing lending requirements and regulations.
- May coordinate loan documentation including work with legal, CLC, or other outside counsel to obtain correct, accurate documents to ensure all loans are documented to fully protect the Bank's interests in the credit relationship; review collateral periodically to minimize credit exposure.
- Participate in the training and development of the Credit Analyst on the team including financial statement analysis, business writing, cash flow modeling, and enterprise valuation.

**Compensation**

The estimated salary for this role is $60,000 - $100,000 per year, based on experience and location. This position is eligible for bonus and/or commissions.



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