Credit Risk Officer jobs in Missouri

Senior Credit Risk Assessment Officer

Credit Risk Assessment (CRA) is considered part of the third line of defense. CRA is responsible for providing an objective, independent, and timely assessment of the overall quality of Country Club Bank’s loan portfolio and is accountable to the organization’s Chief Risk Officer and the Bank’s Board of Directors. This position is responsible for performing a variety of duties relating to the credit risk review function in order to assist in the ongoing management of credit risk and asset quality; achieving goals as established in the department's annual scope; complying with operating policies and procedures established for the credit risk review function; communicating with appropriate personnel; responding to inquiries and requests for information; maintaining appropriate records and providing reports.

Essential Duties and Responsibilities: 

• Conduct thorough credit reviews to analyze adherence to loan policy and procedure, credit quality, collateral valuation, accuracy of core operating system, loan structure and loan documentation. Additionally, identify risk and trends in the borrower’s performance, portfolio segments, industries and markets based on the unique and dynamic characteristics of each.
• Independently review, risk grade and critique the Bank’s commercial loan portfolios as they relate to the Bank’s risk rating system, banking industry best practices and the Bank’s risk appetite.
• Generate a high-quality Credit Review Line Sheet as a result of the duties outlined above as well as other reports as needed to fully analyze each credit assigned in the portfolio.
• Consistently communicate in a professional manner that is constructive and influential; especially while discussing issues and conclusions with lenders and management.
• Demonstrate proficiency in bank information systems.  Refine and develop effective information gathering and reporting methods that facilitate risk-based analysis and risk management.
• Be capable of working with minimal supervision during production of high-quality output, while meeting established production requirements and review schedule deadlines. 
• Exhibit leadership skills by leading or providing oversight to staff as needed (to include junior staff or new hires) on reviews or ad-hoc projects and deliver feedback on performance.

Job Qualifications/ Required Skills and Abilities:  

• Bachelor’s Degree from an accredited university or institution with the major area of study in business administration, accounting, finance or other closely related field is required.
• RMA Credit Risk Certification (CRC) or other related certification is preferred.
• Possess a minimum of eight years of professional experience in loan review, regulatory examinations, or commercial lending.
• A thorough knowledge of credit analysis and the overall field of risk assessment as applied to a diversified loan portfolio. 
• Consistently demonstrate advanced business writing and financial statement analysis skills; interpersonal relations and communication skills; a thorough knowledge of current bank lending principles, policies, and practices; knowledge of all types of lending and loan products; knowledge of current lending and collection laws and regulations; and proficiency in Personal Computer programs such as Microsoft Word, Excel and Access.  Experience using FIS, IBS Insight, IS View, and Sageworks/Abrigo preferred, but not required.