Loan Review Specialist chez Raymondjames

Job Description Summary

Analyze credit proposals and customer characteristics to determine credit worthiness and appropriate terms for approval in accordance with policies and risk appetite.

Job Description

Job Summary

The individual will be responsible for conducting credit risk assessments on loan portfolios within Raymond James Bank (“RJB”) and TriState Capital Bank (“TSCB”). Reviewable entities include Commercial Lending (CRE, REIT and C&I), Private Bank Lending and Shared National Credits (“SNC”). This will include a review of loans based on risk assessment findings as part of the Bank’s continuous monitoring program.

Each loan under review will be evaluated for adherence to the Bank’s credit underwriting standards, policies, procedures, guidelines and regulatory requirements, including completeness of documentation/files.

*This is a hybrid role which requires a minimum of 10-12 days per month in office.

**Preferred locations: Pittsburgh or Philadelphia metro area; St. Petersburg/Tampa metro area.

Essential Duties and Responsibilities

• Develop quantitative analysis to assess credit risk at the portfolio level.

• Perform independent loan reviews to evaluate the creditworthiness of the borrower.

• Analyze financial statements and other required data provided in the credit file to ensure that risk rating is appropriate and upgrades/downgrades are done in a timely manner in line with banks policies/procedures and regulatory requirements.

• Discuss all noted deficiencies and identified weaknesses, and any existing or planned corrective actions, including timeframes for correction, with appropriate loan officers and managers.

• Assist in preparing reports summarizing portfolio quality and risk issues with recommended corrective action.

• Maintain a level of understanding of credit risk policies/requirements, regulatory expectations and contribute to improving effectiveness and efficiency of the credit risk analysis processes/methodologies.

Knowledge, Skills, and Abilities

• Strong credit skills along with experience in Corporate Lending (CRE, REIT, C&I) and/or Private Bank Lending (Residential Mortgages, Securities Based Loans and/or Structured Loans).

• Financial statement analysis including comprehensive understanding of balance sheet, income statement and cash flow drivers impacting critical credit risk metrics.

• Experience in evaluating or assigning risk ratings.

• Knowledge of regulatory definitions and classifications of loans.

• Working knowledge of lending practices, policies, procedures, disclosures and terminology related to banking laws, regulatory requirements and legal documents.

• Well-developed interpersonal and written/verbal communication skills demonstrating the ability to communicate effectively, clearly and persuasively in a variety of settings, formats and audiences.

• Strong organizational, time management and follow-up skills, demonstrating a strong sense of urgency and ability to execute quickly, timely and efficiently.

• Ability to multi-task and decide key priorities with confidence, motivation, decisiveness and flexibility.

• Demonstrated ability to collaborate, influence and manage competing priorities across the organization.

Educational/Previous Experience Requirements

• Bachelor’s degree in Business, Economics, Accounting or Finance with at least seven (7) years of experience in CRE or C&I lending, credit/loan review and/or similar position requiring strong business knowledge and credit judgment.

Education

Bachelor’s: Accounting, Bachelor’s: Business Administration, Bachelor’s: Finance

Work Experience

General Experience - 6 to 10 years

Certifications

Certified Anti-Money Laundering Specialist (ACAMS) - Association of Certified Anti-Money Laundering Specialists (ACAMS)

Travel

Less than 25%

Workstyle

Hybrid

At Raymond James our associates use five guiding behaviors (Develop, Collaborate, Decide, Deliver, Improve) to deliver on the firm's core values of client-first, integrity, independence and a conservative, long-term view. 

We expect our associates at all levels to:
•  Grow professionally and inspire others to do the same
•  Work with and through others to achieve desired outcomes
•  Make prompt, pragmatic choices and act with the client in mind
•  Take ownership and hold themselves and others accountable for delivering results that matter
•  Contribute to the continuous evolution of the firm

At Raymond James – as part of our people-first culture, we honor, value, and respect the uniqueness, experiences, and backgrounds of all of our Associates.  When associates bring their best authentic selves, our organization, clients, and communities thrive. The Company is an equal opportunity employer and makes all employment decisions on the basis of merit and business needs. 

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