Letter of Credit Officer jobs in Tempe, AZ

• As Reviewer-in-Charge of assigned reviewable units or commercial risk segments, this role executes continuous quarterly credit file examination activities, ad hoc targeted loan review engagements, and quarterly written analyses of the credit risk trends of the loan portfolios of assigned reviewable units or risk segments.
• Reviews all pertinent credit and financial information, including business and personal financial statements, spreadsheets, cash flow analyses, and other sources, as applicable. Properly assesses borrower risk profiles and risk grades of each loan/lending relationship reviewed. Capable of analyzing the most complex and interlocking lending relationships.
• Performs proper risk-based sampling techniques for scoping continuous file reviews and periodic reviews; determines the need for expanding scope and adjusting exam procedures, as appropriate.
• Guides less experienced reviewers in determining the accuracy of assigned risk ratings, and analyzing borrower risk attributes and risk factors. Reviews work papers of other Credit Risk Review Officers.
• Analyzes loan reporting and tracking systems and prepares appropriate comments within Credit Risk Review reports.
• Properly evaluates changes or weaknesses within Credit Administration processes or policies.
• Maintains a strong working knowledge of a variety of industries and specialty lines of business (e.g., commercial real estate, equipment leasing, mortgage warehouse lending, gaming, technology, life sciences, HOA, franchise lending, sponsor finance, leveraged lending, etc.).
• Demonstrates an excellent knowledge of regulatory requirements and expectations pertaining to credit risk management.
• Ensures consistent application of enterprise-wide Credit Policy, as well as Credit Risk Review Policies and Procedures.
• Assists in performance and completion of special projects as may be assigned on an ad hoc basis.

Qualifications:

• Experienced credit professional with minimum five years of commercial credit experience, preferably with a background in commercial credit underwriting and credit risk management.
• Successful completion of formal credit training program is preferred, but not necessary.
• Previous credit risk review experience is preferred, but not necessary.
• Minimum Bachelor's degree in Accounting, Finance, Economics, or a related discipline.
• Demonstrated understanding of commercial credit principles and strong analytical skills.
• Advanced working knowledge of accounting, financial statements and tax returns, and cash flow analyses, as well as a highly refined ability to make insightful comments relating to a borrower's current and prospective credit risk profile.
• Strong analytical and problem-solving skills are required. Ability to understand business and industry concepts in order to develop and suggest intelligent, viable solutions to problems.
• Excellent knowledge of banking regulations and prudent commercial lending credit policies.
• Experience reviewing probability of default (PD) and loss given default (LGD) analyses.
• Effective oral, written and interpersonal communication skills with the ability to carry out instructions and instruct others, train personnel, interpret complex documents, understand procedures, write reports, correspondence and procedures, and speak clearly to lenders, management and employees.
• Excellent verbal and written communication and interpersonal skills required with 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.
• 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.
• Flexibility to travel as required.

• Participate in required Bank training, including but not limited to annual BSA/AML/OFAC and Compliance Training.