Spec| Credit Risk

Contributes to risk management efforts for the assigned credit risk focus, such as Credit Analysis & Approval/Portfolio Management, Operational Credit Risk, Country Risk or Credit Administration. Develops and delivers documentation and reporting in a timely manner. Helps to improve each region's adherence to the risk management strategy of the assigned credit risk discipline or contributes to the development of strategies to bring the regions into compliance with standard regional and global regulatory and policy requirements. Helps to identify existing and emerging risks that are applicable to the assigned credit risk discipline.Primary duty for each discipline is as follows: Credit Analysis & Approval/Portfolio Management: Contributes to analyses of industry, country and counter party spreads. Audits credit proposals and confirms credit approvals are in compliance with policies. Demonstrates proficiency with credit systems, such as the credit borrower rating system and credit approval system. Reviews inputs from less experienced professionals for accuracy and may provide input on credit system best practices. May be involved in analyzing and preparing adhoc and standard reporting for the credit risk portfolios.Community Reinvestment Act/Appraisal: Contributes to the identification of the appropriate balance of investments, loan commitments and community activities to align with CRA corporate goals and is beginning to manage toward the appropriate allocation. Demonstrates proficiency when reviewing real estate appraisals for commercial and residential properties. Proactively checks appraisal policies and procedures for consistency with the Bank's risk appetite and for compliance with various complex regulatory requirements. May advise less experienced professionals on compliance improvements. Contributes to analyses of existing and proposed legislation, regulatory announcements and industry practices that are applicable to the assigned credit risk discipline in order to assist with the organization's implementation of procedures to meet existing and upcoming credit management requirements specific to each region. Contributes to the development of organization-wide projects and programs to improve risk management for the assigned risk discipline. Contributes to assessments of the effectiveness of current Credit Analysis & Approval/Portfolio Management, Operational Credit Risk, Country Risk or Credit Administration risk identification and mitigation projects.Assists with the completion of industry, country and/or counter party credit quality analyses for the assigned credit risk discipline. Builds familiarity with regional differences. Contributes to the implementation of new, approved Credit Analysis & Reporting, Operational Credit Risk, Country Risk or Credit Administration risk management solutions that comply with regulatory requirements. No direct reports,, provides guidance to more junior team members, as needed. Contributes to the achievement of Credit Analysis & Approval/Portfolio Management, Operational Credit Risk, Country Risk or Credit Administration team objectives. Modified based upon local regulations/requirements.Bachelor‘s degree in or related technical discipline, or the equivalent combination of education and experience is required.Family Requirements:5-7 years of total work experience preferred. Prior experience/background in credit risk preferred. In addition, may require the following experience/skills based on primary duties: Discipline