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VP Credit Risk Review Leader
2 months ago
Lendistry is a leading minority-led and technology-enabled small business and commercial real estate lender, certified as a Community Development Financial Institution (CDFI) and Community Development Entity (CDE). Our mission is to provide economic opportunities and progressive growth for small business owners and their underserved communities through financing and financial education.
Job OverviewThe Vice President of Credit Risk Review is a critical member of Lendistry's Risk Management Organization, serving as a Third Line of Defense to independently assess the effectiveness of the First and Second Lines of Defense's Risk Management Activities. This role is responsible for identifying, measuring, monitoring, and controlling risks, ensuring the quality and adequacy of underwriting, and providing an independent assessment of credit decisions and portfolio management.
Key Responsibilities- Conduct comprehensive credit reviews of higher-risk commercial credits, involving loans from various business platforms and industries.
- Use credit and financial analysis expertise to examine and opine on the quality and adequacy of underwriting, including analysis of borrowers' operational and financial strengths/weaknesses, cash flow, leverage, liquidity, and net worth.
- Review credits and hold discussions with the underwriting and Credit Administration teams to opine on comprehensiveness in underwriting relative to risk identification and mitigation, deal structure, and collateral analysis.
- Engage in discussions with underwriting and credit administration teams to communicate the decision to downgrade the risk rating of reviewed credits.
- Use Risk-Based Audit principles to review governance, risk, and control frameworks/processes, including reviewing credit policies and procedures, identifying process risks and controls, assessing controls, and sample-testing them.
- Responsible for writing exam reports and applying exam rating methodology to generate exam report ratings, with guidance from a manager.
- Act as the Examiner in Charge on credit reviews, managing the end-to-end execution exams, including planning and sampling, training reviewers, overseeing fieldwork, and reporting process.
- Drive the Issues Management Tracking process of exams, including Issue Remediation Testing and closure process activities.
- Supports Continuous Monitoring activities, including regular communication with the Lending Unit, participation in key Lending Unit meetings, monitoring Key Risk Indicators, and review of Lending Unit reports.
- Discuss exceptions/issues with the Chief Risk Officer, draft findings, and engage in discussions with auditees to communicate findings.
- Understand the underlying risks applicable to audit responsibilities through continuous monitoring activities. Strong credit risk, audit, compliance, banking, and product knowledge are required.
- Review and prepare ongoing risk assessments of the Company's business platforms (auditable entities).
- Maintain updated knowledge of industry developments in affected areas of assigned responsibilities.
- Complete audit recommendation validation work.
- Communicate effectively, clearly, concisely, and accurately using written and verbal communication with all levels of management.
- A minimum of 10 years of credit and credit review experience is preferred, but competent candidates with solid potential and less experience are also encouraged to apply.
- Bachelor's Degree with a preference in finance, accounting, economics, or other business concentration.
- Commercial credit background and expertise in credit analysis/underwriting are required. Additionally, experience in credit review or credit audit is highly desirable.
- Strong knowledge of GAAP principles and Regulatory and banking Policies and Procedures.
- Experience in first-line underwriting and second-line credit risk management/adjudication or loan review is required.
- License(s) or Certification(s) in Certified Internal Auditor (CIA), Certified Public Accountant (CPA), or Certified Regulatory Compliance Manager (CRCM) desired, but not required.
- Working expertise with Microsoft Office software, especially Excel, PowerPoint, and Word.
- Credit expertise must include at least three of the following segments - C&I; CRE; financial statement analysis; loan underwriting and structure; valuation; highly leveraged transactions; accounting standards; Uniform Commercial Code; capital markets and other non-traditional credit areas, including off-balance sheet credit risk; etc.
$143,000 - $188,000/annually, depending on experience and location
Lendistry is an Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities. We are committed to providing a diverse and inclusive work environment.
