Credit Risk Assessment Specialist

7 days ago


Seal Beach, California, United States Farmers and Merchants Bank of Long Beach Full time
Job Summary

The Credit Review Officer plays a vital role in identifying, measuring, monitoring, and controlling credit risk. The Appraisal & Credit Review Department ensures that the Bank's credit risk management practices are consistent with the most current Interagency Guidance on Credit Risk Review Systems.

This role supports the Credit Review Senior Manager (CRSM) in completing the annual credit review plan by conducting independent credit reviews conforming to the Credit Review Charter and Policy. The candidate will demonstrate expertise in credit analysis, financial analysis, collateral analysis, loan structure, economic impact on credit risk, appropriate risk grading determination, and effective credit risk mitigants to opine on asset and portfolio credit quality.

Key Responsibilities:
  • Assist in planning, execution, and reporting of the results of assigned loan reviews.
  • Independently assess the overall quality of the Bank's loan portfolios and key risk characteristics through analysis of the adequacy of underwriting decisions and ongoing portfolio management.
  • Assess risk ratings for loans selected for review to ensure assigned credits maintain their high quality while considering key metrics such as borrowers' operational and financial strengths/weaknesses, cash flow, leverage, liquidity and net worth, and other characteristics.


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