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Senior Credit Risk Review Officer
SouthState Bank. Independently evaluate the credit quality and credit processes of the bank .
Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates extensive experience in credit review and commercial lending, with a strong ability to evaluate credit quality, conduct risk assessments, and mentor junior staff. Proficient in communicating findings and providing constructive feedback to various stakeholders while supporting continuous improvement initiatives.
Highest-signal resume keywords
Credit Review ExperienceCommercial Lending ExpertiseRisk Assessment SkillsMicrosoft Office ProficiencyStrong Writing Skills
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Credit Quality EvaluationCommercial Loan UnderwritingLoan Portfolio ManagementRisk-Based Ranking ValidationLoan Documentation Validation
Soft Skills
Attention to DetailIndependent Decision-MakingOrganizational SkillsEffective CommunicationMentoring Ability
Tools & Technologies
Microsoft Office Applications
Industry Keywords
Commercial LoansBanking ExperienceLoan ReviewCreditworthiness AssessmentContinuous Improvement Initiatives
About the role
Key responsibilities & impact- Independently evaluate the credit quality and credit processes of the bank
- Conduct comprehensive ongoing monitoring of complex commercial loans
- Lead credit process and target reviews of complex commercial portfolios and risk elements
- Participate in credit process and target reviews across commercial portfolios
- Validate credit and financial information, borrower/guarantor creditworthiness, and loan relationship grades
- Validate loan and collateral documentation for adequacy, policy adherence, and enforceability
- Prepare periodic risk assessments and validate or revise risk-based rankings
- Communicate findings and provide constructive feedback to loan officers, underwriters, portfolio managers, analysts, credit administrators, and management
- Manage follow-up items and report their resolution in review documentation
- Attend loan committee and other relevant meetings
- Mentor less experienced Loan Review Officers and serve as a subject matter expert
- Conduct training as needed
- Support continuous improvement initiatives and develop ideas to advance the Loan Review function
Requirements
What you’ll need- College Degree, preferably a degree in Accounting, Finance, Economics or equivalent experience
- Minimum of seven years of credit review, commercial lending, commercial loan underwriting, and/or commercial loan portfolio management experience
- Computer literacy
- Proficient in Microsoft Office applications
- General banking experience required
- Proficient writing skills to communicate clearly, concisely, and persuasively
- Ability to evaluate facts independently and objectively
- Ability to make sound decisions and propose corrective actions
- Strong organization, accuracy, and attention to detail
- Ability to work independently
- Ability to interact with senior management and banking stakeholders
- Must have a secure, private home office free from background noise and distractions
- Must have a reliable private internet connection not supplied by cellular data
- Ability to travel to meetings as needed
Benefits
Comp & perks- Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions
- Required annual compliance training
- New Employee Orientation
- Remote telecommuting arrangement with a secure home office environment
- Reliable private internet connection required for telecommuters
- Cable or fiber internet connections preferred