[Hiring] Credit Risk Manager II @Fifth Third Bank

Role Description

Individual is responsible for managing the development and execution of the Credit Risk Review (CRR) Continuous Review program for assigned Commercial or Consumer line of business unit(s). Primary components of the CRR Continuous Review program include:

• Critical and independent evaluation of the accuracy and effectiveness of credit risk management processes.
• Assessment of risk identification/rating, underwriting, new origination, borrower selection, and portfolio management practices.
• Compliance with Bancorp loan policies, procedures, and applicable laws and regulations.
• Review of credit quality and related trends on a portfolio, industry sector, and/or product basis.
• Identification of emerging risks.

Attend (as required) regular meetings with first and second line senior business leaders and personnel, regulators, and external auditors.

Responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined. Accountable for always doing the right thing for customers and colleagues, ensuring that actions and behaviors drive a positive customer experience.

Qualifications

• Bachelor's degree in a business-related field; graduate degree in relevant field (Business, Finance, or Economics) preferred.
• Minimum of 10 years lending and/or credit-related experience; Credit Risk Review or similar loan review or regulatory agency experience preferred.
• Possess sound leadership, interpersonal, analytical, and verbal/written communications skills.
• Ability to display a positive business presence and exercise sound judgment when interfacing with first and second line senior business leaders and personnel, regulators, external auditors, and peers.
• Solid project management and presentation skills.
• Demonstrate effective influencing and negotiation skills.
• Advanced ability to understand and interpret data from various applications and database tools, draw high-level conclusions, and determine actions needed (Consumer roles).
• Proficient in MS-Word, MS-Excel, MS-PowerPoint, and other related PC applications; experience in Access, Business Objects, and SAS desirable (Consumer roles).

Requirements

• Display an advanced understanding and technical proficiency in all pertinent lending and credit risk topics, Bank policies and procedures, and risk monitoring and mitigation practices.
• Maintain awareness of general economic conditions, industry trends, and product-specific issues.
• Demonstrate the ability to analyze and assess credit risk in complex Commercial or Consumer borrowers and portfolios.
• Establish risk-based business plans for assigned areas of responsibility and update as necessary.
• Complete all aspects of required continuous review activities for assigned portfolios with minimal supervision.
• Present CRR activities and results at regular meetings with first and second line senior business leaders and personnel.
• Effectively challenge and provide consultative advice on risk ratings and credit risk management practices.
• Manage open CRR issues, observations, and recommendations under assigned areas of responsibility.
• For Commercial roles, manage and execute work processes that review the accuracy of assigned risk ratings.
• Complete quality assurance review activities and assist in sustaining a strong CRR quality assurance program.
• Assist in driving a continuous improvement approach to process management within CRR.
• Share review findings and emerging risks with Internal Audit and other Risk functions.
• Participate in due-diligence reviews of potential Bank acquisitions and other special projects as requested.
• Assist in recruiting qualified candidates to fill open positions in CRR.

Benefits

• Comprehensive benefits programs designed to support the individual needs of employees and their families.
• Physical, financial, emotional, and social well-being support.
• Participation in an incentive compensation plan based on company, line of business, and/or individual performance.

Company Description

Fifth Third Bank, National Association is proud to have an engaged and inclusive culture and to promote and ensure equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status, or any other legally protected status.