The Senior Credit Review Auditor is responsible for performing a variety of loan review activities which aid in the evaluation of Northwest's commercial, business banking and retail loan portfolios including collecting loan and information system data, analyzing documentation and financial data, and establishing account risk ratings. The Senior Credit Review Auditor will be responsible for providing Management with objective evaluations of the overall credit quality of the Bank as included from time-to-time compliance with policies and procedures and other portfolio trends including geographic concentrations, climate and emerging credit risks. The Senior Credit Review Auditor performs and completes internal credit audits as assigned while researching and interpreting relevant regulations, policies, and procedures to assist in determining the scope and design of a credit audit program. This position is guided by general instruction and a reasonable amount of supervision, this candidate demonstrates a fair level of autonomy and ability to exercise independent judgement.
Essential Functions
Ensure document and data integrity
Manage personal workload/workflow
Identify and resolve problems/issues
Recommend opportunities for improvements to review process
Detect common themes & emerging risks
Continue professional education
Review sampled commercial loan relationships
Gather and analyze loan related financial information
Identify early signs of loan problems
Analyze financial performance of Obligor
Perform annual credit quality reviews for relationships over $1,000,000
Confirm or amend risk rating as appropriate
Complete/update Loan Review Summaries for relationships over $1,000,000
Execute loan review strategy as defined by Management
Perform target loan reviews based on emerging risk factors
Facilitate monthly reporting of progress and emerging risk factors
Evaluate effectiveness of credit policies and procedures, identify weaknesses, provide suggestions for strengthening
Knowledge of Credit360/BancAudit/Nautilus/CBS/Data Analysis Tool/Audit Management Software
Keep track of and update schedule of whereabouts during audits
Be familiar with Northwest documentation/processes/procedures
Research/interpret relevance of specific regulations/current literature
Assist in developing the scope, audit objectives, and audit program based on assessed risk of business unit/subject matter
Assist in determining staffing requirements for Audit
Oversee/collect specific samples/data
Oversee/record detailed information/data from samples
Check results (findings) against samples for proper evidence
Oversee/compile working papers as appropriate
Summarize results/findings
Analyze results as related to Northwest
Prepare meeting materials (soft, and final exits)
Present relevant findings appropriately to department manager and auditors
Produce various audit reports/management letters/credit reports
Appraise adequacy of the corrective action taken to improve deficient conditions
Work with relevant personnel during the audit process
Ensure compliance with Northwest’s policies and procedures, and Federal/State regulations
Navigate Microsoft Office Software, computer applications, and software specific to the department to maximize technology tools and gain efficiency
Work as part of a team
Work with on-site equipment
Education, Experience + Skills
Bachelor’s degree in Accounting, Finance or Business Administration preferred
5-6 years of Credit review/business related experience required
3-5 years of Bank auditing experience preferred
3-5 years of customer service and general business-related experience preferred
Ability to apply advanced financial analysis techniques
Ability to make right decisions based on perceptive and analytical processes, practicing good judgment in gray areas
The pay range for this position is generally $38.46 – $48.07 per hour. Actual pay is based on various factors including but not limited to the successful candidate’s experience, skills, and knowledge. Additional bonus earning opportunities and benefits are also available.
Seniority level
Mid-Senior level
Employment type
Full-time
Job function
Accounting/Auditing and Finance
Industries
Banking
Referrals increase your chances of interviewing at Northwest Bank by 2x