Credit Risk Officer CRE

For all credit granting business units determined to fall under the credit risk departments responsibility (as determined by Senior Management and / or Credit Policy) the Credit Risk Officer (CRO) will :

• Provide an opinion on the acceptability of any credit proposal which meets the threshold for CRO review per loan policy. For credits requiring Credit Committee approval this is to be a written opinion which outlines the basis for the recommendation. Recommendations can be to support or decline and may carry conditions.
• Opine on the accuracy of the risk rating on all credits presented to a CRO for review.
• Provide guidance to the account officer and business unit management for all prospective credit requests. Guidance to include feedback on creditworthiness loan structuring compliance with bank policy and assessing the completeness and accuracy of the credit underwriting. This guidance is to come in conjunction with that of the business unit management.
• Identify all at risk credits (risk rated 6W or worse) and credits noted for Extra Attention in conjunction with the line officers and assure that they are properly reported at the quarterly watch list meetings. Specific guidance on action plans and remedial efforts is expected.
• The CRO will monitor the portfolio performance of their assigned units for the below credit quality measures when such information is available :

Weighted average risk ratings

Qualifications :

Additional Information :

The Bank will make reasonable accommodations to the following employees to allow them to perform the essential functions of their position except where doing so would result in undue hardship to the Bank :

Any employee who believes he or she needs an accommodation for any of the above reasons should contact their supervisor or a member of Human Resources to request such an each case the Bank will engage in a good faith written or oral dialogue concerning the individuals accommodation needs; potential accommodations that may address the individuals accommodation needs including alternatives to a requested accommodation; and the difficulties that such potential accommodations may pose for the employer.

The Bank retains the ultimate discretion to choose the appropriate reasonable accommodation. Upon reaching a final determination at the conclusion of the cooperative dialogue the Bank will provide the requesting individual with a written final determination identifying any accommodation granted or addition the Bank will maintain any information regarding the employees request and status in the strictest confidence except as requested by the employee as required on a need-to-know basis or as otherwise required by law.

Disclaimer

The above statements are intended to describe the general nature and level of work being performed by people assigned to this classification. They are not to be construed as an exhaustive list of all responsibilities duties and skills required of personnel so classified. All personnel may be required to perform duties outside of their normal responsibilities from time to time as needed.

All your information will be kept confidential according to EEO guidelines.

We are operating on a Hybrid schedule.

NO AGENCIES PLEASE.

IDB BANK INCLUDING ITS SUBSIDIARIES AND DIVISIONS PROVIDES EQUAL EMPLOYMENT OPPORTUNITIES TO ALL EMPLOYEES AND APPLICANTS FOR EMPLOYMENT WITHOUT REGARD TO RACE COLOR RELIGION SEX SEXUAL ORIENTATION NATIONAL ORIGIN AGE DISABILITY GENETIC STATUS CITIZENSHIP STATUS MARITAL STATUS MILITARY OR VETERAN STATUS CURRENT UNEMPLOYMENT OR ANY OTHER LEGALLY PROTECTED CATEGORY IN ACCORDANCE WITH APPLICABLE FEDERAL STATE AND LOCAL LAW. NOTHING IN THIS SITE CONSTITUTES A PROMISE OR OFFER OF EMPLOYMENT.

Remote Work : No

Employment Type : Full-time

Key Skills

Internal Audit,Information Systems,Community Support,Environmental Science,Information Technology Sales

Department / Functional Area : Risk Management

Experience : years

Vacancy : 1