Credit Review - Vice President in City of Westminster

As a Credit Review Vice President within our Credit Review team, you will lead planning and execution of periodic credit reviews, and participate in review assignments. Your role involves guiding team members in activities that assess commercial loan transactions and evaluate underwriting and portfolio management. You will independently provide opinions on underwriting analysis adequacy, the accuracy and timeliness of risk grading decisions, the suitability of credit mitigation actions, and the effectiveness of the credit management process and key controls supporting credit quality. Between periodic reviews, you will monitor credit risk trends within assigned commercial lending portfolios, attend relevant meetings, and foster relationships with internal stakeholders responsible for credit approval.

Responsibilities

• Lead a team of reviewers as reviewer-in-charge by chairing planning, kick-off, findings presentation, and closing meetings.
• Coordinate with the Credit Review Director on team assignments, define project scope, evaluate credit risk controls, communicate with management, review and assess findings, recommend corrective actions, write reports, and archive documents.
• Participate in Credit Review team-led reviews by preparing financial analyses and risk assessments, evaluating credit underwriting quality, recording findings, and engaging in review meetings.
• Perform continuous monitoring of assigned portfolios and participate in portfolio review meetings.
• Serve as an information resource on commercial credit risk and policy.
• Partner with Credit Risk Management stakeholders to establish strong working relationships while maintaining independence.
• Ensure consistent application of firm-wide Risk Policy as well as Credit Review Policies and Procedures.
• Complete special projects and research as assigned by the Credit Review Director.

Qualifications

• Experienced credit professional with commercial credit experience.
• Minimum bachelor’s degree in Accounting, Finance, Economics, or a related discipline.
• Demonstrated understanding of commercial credit principles and strong analytical skills.
• Excellent verbal and written communication and interpersonal skills with the ability to present complex and sensitive issues to management.
• Enthusiastic, self-motivated, effective in a dynamic fast-paced environment and willing to demonstrate personal responsibility and accountability.
• Proven ability and desire to learn quickly, be adaptable, and think strategically.
• Ability to manage multiple tasks concurrently, with a high sense of urgency.
• Works well individually and in teams, shares information, supports colleagues, and encourages participation.
• Ability to travel as required.

Preferred qualifications and notes

• Background in commercial credit underwriting and credit risk management preferred.
• Successful completion of formal credit training program preferred, but not necessary.
• Previous credit review experience is preferred, but not necessary.