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Analista Sénior de Revisión de Riesgos Crediticios - Préstamos Comerciales63499806216705120
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Analista Sénior de Revisión de Riesgos Crediticios - Préstamos Comerciales
Analista Sénior de Revisión de Riesgos Crediticios - Préstamos Comerciales Charlotte, NC Únase a nuestro altamente calificado equipo de Revisión de Riesgos Crediticios (CRR) como Analista Sénior de Revisión de Riesgos Crediticios especializado en Préstamos Comerciales. El objetivo principal de CRR es proporcionar evaluaciones oportunas e independientes de exposiciones crediticias y riesgos crediticios, cuyos resultados se informan directamente a la alta dirección y al Comité de Riesgos de la Junta Directiva. En este puesto híbrido (3 días presenciales, 2 días remoto), proporcionará evaluaciones independientes y expertas de exposiciones crediticias comerciales. También podría asumir la responsabilidad de Revisor Responsable, liderando auditorías de revisión, gestionando revisores, realizando análisis de cartera y resumiendo hallazgos a partir de muestras de expedientes crediticios. Su profundo conocimiento de los préstamos comerciales y las prácticas de riesgo crediticio será crucial para ofrecer información valiosa y recomendaciones que mejoren nuestra gestión del riesgo crediticio. Responsabilidades Ejecutar Revisiones Complejas: Evaluar de forma independiente transacciones crediticias y relacionadas con el crédito complejas, incluyendo estructuras de facilidades y procesos de suscripción, aprovechando su conocimiento experto de políticas y procedimientos crediticios. Comprender el riesgo inherente y la materialidad del riesgo en transacciones crediticias. Validar y Garantizar la Precisión: Validar las calificaciones de riesgo del scorecard y la administración crediticia del prestatario. Asegurar una comprensión completa de los problemas, tendencias y causas raíz de la cartera para gestionar eficazmente las carteras de crédito. Informes y Comunicación Independientes: Completar de forma independiente documentos de trabajo, registrar problemas, compilar documentación de apoyo y realizar seguimiento de hallazgos de auditorías con líderes del negocio. Actuar como Revisor de Segundo Nivel y comunicar eficazmente los objetivos, resultados y recomendaciones de remedición de problemas en las revisiones de riesgo crediticio. Análisis y Monitoreo de Riesgos: Analizar el riesgo en las carteras crediticias asignadas revisando informes relevantes y evaluando tendencias. Proporcionar conocimientos analíticos expertos, identificar concentraciones de riesgo, tendencias sistémicas o problemas, y participar en el monitoreo continuo de las carteras asignadas. Liderazgo y Experiencia: Supervisar las actividades de revisión de expedientes de otros revisores como Revisor Responsable para segmentos comerciales asignados. Realizar evaluaciones de los resultados y hallazgos de revisión de expedientes para determinar calificaciones finales y redactar informes de revisión. Actuar como recurso experto para el equipo. Conocimiento del Mercado: Demostrar un conocimiento experto del ciclo crediticio y el impacto de los indicadores económicos en métricas clave. Poseer un conocimiento experto sobre cómo y dónde aprovechar herramientas de investigación económica e industrial en el proceso de revisión. Requisitos Calificaciones Experiencia Amplia en Crédito: Conocimiento sólido de crédito y amplia experiencia en concesión y gestión de créditos comerciales. Experiencia con Transacciones Complejas: Más de 10 años de experiencia en Riesgo Crediticio o Suscripción de Crédito, específicamente con transacciones más grandes y complejas en sectores como Comercial, CRE, Banca Corporativa, Préstamos Apalancados, Mercado Intermedio, etc. Habilidades de Comunicación: Habilidades sólidas de comunicación verbal y escrita, con capacidad para manejar conversaciones difíciles de manera efectiva con las partes interesadas. Experiencia Bancaria: Experiencia en bancos grandes (tamaño de activos de $80 mil millones o más). Exposición al Tamaño de Operaciones: Experiencia con tamaños promedio de operaciones de $50 millones. Antecedentes en Suscripción: Experiencia en suscripción para ABL, Banca Empresarial, Banca Corporativa/Mercado Intermedio o segmentos comerciales de Mercado Intermedio Inferior. Beneficios $125.000 a $175.000+ Paquete completo de beneficios Bono + Asistencia para reubicación pagada
Charlotte, NC, USA
$125,000-175,000/año
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