[Hiring] Credit Review Officer @BankUnited, Inc.

Role Description

Reporting to a Commercial Credit Review Group Manager, the Credit Review Officer conducts independent, objective and timely assessments of the condition of commercial and/or retail borrowers and loan portfolios or other credit risk exposure and credit risk management practices through the identification, evaluation, measurement and reporting of the level and type of credit risk and the effectiveness of portfolio oversight. The position may be responsible for scoping, planning, conducting and documenting activities, drafting reports, and providing guidance and support to management and peers. A CRO is expected to maintain a high level of communication during all activities and may lead update meetings with senior leaders, prepare and socialize reports and Risk Issues, monitor and report on associated Action Plans, and prepare for and lead introductory and/or exit meetings. CROs have responsibility for examination as well as monitoring activities and are expected to meet or exceed production standards (quantity and quality), monitor assigned portfolio(s), and communicate effectively within Credit Review as well as with line of business partners or other third parties.

Qualifications

• Bachelor's Degree and significant and relevant experience as a commercial loan officer, underwriter, credit reviewer, or similar or closely aligned function required
• Master's Degree preferred
• Supervisory experience required
• 10+ Years Credit and credit analysis experience and have been involved in the analysis of complex corporate lending, commercial real estate, or related fields required, including specialized industries and products (e.g., Healthcare, Non-Depository Financial Institutions, leveraged lending) required
• Formal credit and audit principles training preferred
• Prior credit review, bank examiner, complex underwriting, or problem loan workout experience preferred
• Certified Public Accountant (CPA) preferred or Chartered Financial Analyst (CFA) preferred or BAI Loan Review Certification preferred or RMA Credit Risk Certification (CRC) designation preferred or National Bank Examiner (or similar regulatory title)

Requirements

• Analyze and review credit files to determine the accuracy of assigned credit risk ratings.
• Evaluate adequacy of and adherence to policies and procedures and sound banking practices.
• Identify and review credit weaknesses in loans and/or portfolios reviewed, including specialized or complex loans.
• Independently recognize market, industry and portfolio trends and their impact.
• Identify and communicate emerging and existing portfolio risks on a frequent and timely basis to key stakeholders.
• Efficiently develop, monitor and validate Risk Issues to ensure appropriate Management Action Plan execution, timely remediation, and understanding of all outstanding risks within the portfolio.
• Conduct examination pre-planning tasks including management interviews, analyzing portfolio data, partnering with the Credit Review Data Analytics team, developing loan review samples and examination resource budgets, writing pre-exam memorandums and conducting examination kickoff meetings.
• Assign and manage Credit Review Officer (CRO) workflow, ensuring fieldwork is completed with high quality and according to examination plans and budgeted timelines.
• Perform quality control reviews and ensure examination work papers are comprehensive, complete and fully supportive of examination findings and conclusions.
• Consolidate examination findings, perform root cause risk analysis and develop formal recommendations to remediate risk concerns.
• Plan and lead line of business update and exit meetings.
• Effectively communicate examination findings and conclusions with management.
• Assist Credit Review leadership with training needs including mentoring CROs, driving product quality and consistency and best practices.
• Make recommendations to improve examination or other Credit Review processes.
• Adhere to and comply with applicable federal and state laws, regulations and guidance, including those related to anti-money laundering.
• Identify and report suspicious activity.

Company Description