Credit Review Officer - Consumer

Description Summary: The Credit Review Officer - Consumer reports to a Credit Review Group Manager or Team Lead.  The ideal candidate is a proven credit risk professional with an exceptional delivery track record within retail/consumer credit . The CRO independently evaluates and reports on the effectiveness of the credit processes that produce and monitor assets that generate credit risk.

The candidate should possess a detailed working knowledge of the methodologies and techniques for performing credit risk review engagements and continuous monitoring activities associated with a strong independent credit review function within a large financial institution. Participate in the execution of Retail Consumer credit review program assignments in accordance with departmental policy and procedures to effectively assess: credit risk inherent in products/services and related activities, adherence to credit policies and procedures, compliance with legal and regulatory requirements, and exam results to determine if issues exist and improvement recommendation are necessary. Review transactions and/or mine/analysis broader portfolio data for the quality of underwriting, effective credit processing, adequacy of portfolio/risk management, and compliance with HNB Credit Policy; document conclusions that are concise, accurate and facilitate aggregation for reporting to the intended audience. Compile and structure data from multiple sources (internal and external), create and accurately summarize results that are easily utilized by the end-user. Conducts periodic risk assessment processes and on-going continuous data analysis reporting to identify emerging risks and factors that necessitate amendments to the annual plan. Attend segment/business credit risk management committee meetings aligned with area of subject matter expertise; act as a risk management resource to the business units; communicate key takeaways to the broader Credit Review team. Identify and communicate emerging risk issues to provide feedback and recommendations to enhance credit risk management practices across the enterprise. Able to develop and maintain working relationships with bank management, and the broader credit review team in order to effectively and efficiently execute review responsibilities. Provide CR senior management with information regarding the identification, measurement and management of credit risk for assigned business units. Strong verbal and written communication skills as well as ability to manage engagements/projects within allocated timeframes Performs other duties as assigned.

Bachelor’s Degree or 4 years of related consumer or scored small business lending experience 5+ years of related experience in credit review, risk management, underwriting or data/credit risk analysis Preferred Qualifications: Working knowledgeable of credit risk management and control frameworks Working knowledge of MS Access, Excel, PowerPoint, Word, and credit/statistical analysis tools Project management skills, ability to deliver high quality results while meeting deadlines, department and personal goals Preferred degrees: Accounting, Finance, Economics, Business or Statistics related field Certification, Advanced Degree or demonstrated progress toward (i.e. MBA, CPA, Financial Risk Manager, SAS Certified Base Programmer etc.) Technical accounting (GAAP) or financial statement analysis knowledge 3+ years utilizing SAS/SQL language Conflict management #LI-RP1 Exempt Status: (Yes   = not eligible for overtime pay) ( No   = eligible for overtime pay) Yes Workplace Type: Office Our Approach to Office Workplace Type Certain positions outside our branch network may be eligible for a flexible work arrangement. We’re combining the best of both worlds:  in-office and work from home. Our approach enables our teams to deepen connections, maintain a strong community, and do their best work. Remote