JOB FUNCTIONS AND RESPONSIBILITIES: The following sets forth the primary responsibilities of this job, but is not an exhaustive list. The Bank, through its managers and supervisors, reserves the right to assign any additional duties necessary to meet the needs of our clients, associates and/or shareholders. Responsible for evaluating commercial and retail portfolios for the purpose of assessing the accuracy of risk ratings, adherence to lending policies and standards as well as relevant laws and regulations. Identify and provide continual feedback to the Credit Review Manager regarding existing or emerging risks or issues. Effectively manage resources to accomplish department goals and chargeability, timeliness of reporting, actual vs. budgeted time variances and review objectives in accordance with performance metrics. Build relationships with business unit managers to facilitate the understanding of their business to be in a better position to offer solutions. Serve as Examiner-In-Charge (EIC) of more complex lending portfolios which include proper sample selection, review team composition / logistics, data compilation and analysis, written report generation as well as communication and interaction with unit management. Ensure review planning is participative and adequate. Ensure review work papers are thoroughly reviewed for quality and completion prior to issuance of draft reports. Ensure draft reports accurately reflect conclusions documented in review work papers. Encourage staff adherence to industry best practices and departmental policies and procedures. Ensure knowledge of and control over the review process, resolution of review issues, and communicate progress or problems to the Director of Credit Review as deemed necessary. Oversight on special projects as assigned and communicates conclusions verbally or in writing to senior management and the Director of Credit Review as directed. Ensure appropriate communication with business unit management to keep informed of risks, new products, management initiatives, etc. Communicate and assist management in developing and maintaining an internalized risk management process. Maintain current knowledge and consistent compliance with regulations and bank policies and procedures related to the position, including but not limited to Bank Secrecy Act (BSA) and Office of Foreign Assets Control (OFAC) requirements. Interact with others (co-workers, management, clients, and vendors) in a professional and tactful manner including treating them with respect and consideration regardless of their status or position. EDUCATIONAL KNOWLEDGE AND/OR PROFESSIONAL EXPERIENCE: Required: This position requires the following educational and/or job experience: Bachelor's degree required in finance, accounting, related discipline or equivalent combination of education and related experience with formal credit training in the financial services industry or regulatory environment with extensive knowledge of commercial credit. 7+ years of progressive job related experience. Experienced in underwriting, structuring, covenanting and risk rating commercial credit transactions. Strong interpersonal skills, along with enhanced organizational and analytical skills required to maintain an independent viewpoint derived from fact-based analysis and patterns of performance. Experience as a commercial credit analyst, commercial relationship manager, regulatory examiner or credit review officer in a financial institution. Emphasis on direct regulatory or credit risk management experience Preferred: MBA or advance degree 10+ years of commercial credit experience Knowledge of regulatory issues SKILLS AND ABILITIES: The following is intended to give an overview of the requirements of the position, but is not an exhaustive list. Exceptional verbal, written and interpersonal communication skills; ability to apply a common sense approach to issue reso ution. Well-developed analytical skills; ability to assimilate large volumes of information, prioritize issues, form conclusions, determine appropriate action, and effectively translate complicated concepts into simple and understandable communications. Negotiation / persuasion skills; ability to positively influence others in the absence of direct authority. Demonstrated knowledge of bank loan policies and procedures. Maturity and tact; ability to deal and react to highly sensitive issues in a confidential and professional manner. Responsive and flexible; ability to adapt to changes in the work environment and modify approaches or methods to best fit the situation. Proficient with MS Office applications including Outlook, Word, Excel, and PowerPoint. WORK ENVIRONMENT: The following is intended to give an overview of the work environment of the position, but is not an exhaustive list. Office setting with traditional hours. Standing for extended periods of time (typically no longer than 8 hours). Must be able to work at a rapid pace for long periods of time (typically no longer than 8 hours). Must be able to push, pull, pull up, bend at the knees and waist, twist body at the waist, raise and hold arms overhead, turn head-neck-shoulders as needed, grasp and hold tools and other items with hands, for either extended periods of time or many times throughout the workday Must be able to work additional hours outside routine business hours to the extent necessary.

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Equal Opportunity Employer/Protected Veterans/Individuals with DisabilitiesThe contractor will not discharge or in any other manner