IT Staff Auditor responsible for evaluating IT systems and controls in a nationwide bank. Collaborating with leadership to manage technology risks and compliance.
About the role
- Audit Manager leading credit risk audit program for Celtic Bank. Responsible for analyzing credit portfolio, managing risks, and ensuring compliance with banking regulations.
Responsibilities
- Orchestrate an audit program analyzing credit portfolio and administrative risks through regular testing activities. Developing evaluation strategies to address varied credit profiles encompassing credit underwriting, portfolio management, and documentation approaches.
- Compile, interpret, and report leading performance metrics used to monitor portfolio health.
- Regularly review and evaluate loan [pool] quality, including underwriting standards and credit policy adherence, collateral adequacy, and borrower performance trends.
- Review credit files in evaluation of borrower financial stability, cash flow capacity, and collateral quality; identifying shortfalls that could lead to future debt-servicing weaknesses.
- Periodically assess loan portfolios of varied characteristics ensuring consistent, appropriate risk grades are maintained with timely grade changes occurring as necessary.
- Work with senior management to develop strategies for managing identified problem loans, including determining corrective actions needed and providing recommendations.
- Prepare and present management reports covering loan quality, risk concentrations, loan classifications, and other performance metrics to Board Committee Directors and executive management.
- Provide credible challenge, offer solution recommendations, and influence action(s) taken based on sound conclusions.
- Collaborate cross-functionally with various teams involved in lending processes to identify and address concerns, while facilitating enhancement of processes or systems.
- Maintain the necessary independence of loan production and credit review processes conducted within the business ensuring impartiality of risk assessment and loan analysis activities.
- Remain current with regulatory requirement changes, industry best practices, and economic trends impacting the broader credit environment.
Requirements
- A Bachelor’s degree of Finance, Accounting, Business Administration, or a related field of study (a Master’s degree and professional certifications, such as CPA or CFA, are viewed favorably).
- Six plus years of professional experience in financial audit, credit risk management, loan review, or a similar commercial financing role within a financial institution.
- A well-developed understanding of commercial credit production processes that support loan underwriting, portfolio management, and credit-box administration activities.
- Working familiarity of Regulatory Interagency Guidance on Credit Risk Review Systems.
- Established experience with conducting and managing credit audits, loan review functions, or similar oversight within a banking setting.
- Strong analytical and problem-solving skills, demonstrating the ability to evaluate loan quality, identify various risk exposures, and recommend appropriate improvements.
- Excellent communication and interpersonal skills are necessary, with an ability to report on complex situations to senior leadership and Board members in clear and concise terms.
- Ability to effectively write comprehensive reports conveying meaningful conclusions, supported, when necessary, by well document critical issues.
- A demonstrated ability to work independently while collaborating effectively with cross-functional teams.
Benefits
- **BENEFITS**
- Medical, dental, vision
- 401(k) with employer match
- Life and long-term disability coverage
- HSA and FSA plans
- Holidays and paid time off requests
- Robust wellness program (we’re talking catered meals three times a weeks, lunch and learns, and onsite gym.)
Job title
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