Loan Review Commercial Examiner II (Commercial Credit Risk)

Location: Remote; work location listed as Mount Laurel, New Jersey, United States of America. Occasional domestic travel is required; international travel is never required.

Salary: $100,000–$150,000 USD annually.

Company

hirify.global is a global financial institution and major North American bank serving households and businesses in Canada, the United States, and other markets.

What you will do

• Conduct independent, comprehensive borrower file reviews across commercial loan portfolios, assessing underwriting, portfolio monitoring, documentation, collateral valuations, risk ratings, and problem-loan administration.
• Apply regulatory requirements, regulatory feedback, bank policies, credit standards, and risk limits to evaluate credit adherence.
• Analyze repayment capacity, management capability, covenant adherence, legal documentation, and industry risk.
• Develop risk-rating assessments supporting the Bank’s Expected Loss determination and participate in risk-rating discussions with internal and business-line partners.
• Prepare workpapers and review findings for Loan Review management, business-line partners, and regulatory review.
• Resolve discrepancies and disputes with lending and credit management, manage workflow, develop examination job aids, and support the professional development of other Commercial Examiners.

Requirements

• Bachelor’s degree in business or a related field is required. Work experience may offset a different degree type; Finance or Accounting major or concentration is strongly preferred.
• At least 5 years of commercial credit experience in loan review, credit underwriting or analysis, credit management, credit risk management, commercial lending, or regulatory examinations.
• Strong knowledge of commercial lending and credit analysis, with demonstrated experience in corporate, syndicated, and leveraged loans highly desired.
• High competence in commercial credit analysis, credit risk assessment, and risk rating using regulatory definitions.
• Ability to compile review data and interpret it in narrative and analytical form for business management.
• Ability to present well-formed, data-supported opinions on process, procedure, and credit risk conditions.
• Excellent verbal and written communication, collaboration, and coaching skills.
• Ability to influence others without direct management authority, navigate contentious circumstances, identify potential credit risk, and support positions with available data and knowledge.
• Ability to prioritize and organize assignments, meet strict deadlines, and use Microsoft Office word-processing and spreadsheet tools plus custom applications and systems.

Culture & Benefits

• Full-time role with a 40-hour workweek and remote workplace type.
• Base salary range of $100,000–$150,000 USD, with potential variable compensation or incentive awards.
• Health and well-being benefits, savings and retirement programs, paid vacation, flex and holiday time off, banking benefits, and discounts.
• Career development conversations, training programs, online learning, mentoring, and professional development support.
• Training and onboarding sessions are provided; the workplace values respectful collaboration and diverse perspectives.

Hiring process

• Candidates of interest will be contacted to schedule an interview.
• Application outcomes are communicated by email or phone where possible.