Credit Risk Review Examiner (Credit Risk)

Location: Birmingham, Alabama, United States; onsite at Regions Center

Salary: $105,729.80–$150,740.00 USD annual target range; eligible for an annual discretionary incentive plan

Company

hirify.global is a banking organization providing lending, credit risk management, and related financial services.

What you will do

• Continuously monitor and examine credit risk across assigned loan portfolios, including horizontal reviews across lines of business and geographies.
• Analyze credit metrics, portfolio performance, origination and servicing processes, transactions, and risk direction drivers.
• Assess compliance with credit policies, lending regulations, underwriting guidelines, and safe and sound banking practices.
• Conduct independent ad hoc analysis using spreadsheet or database software and maintain documentation supporting reviews and findings.
• Develop ratings, risk assessments, findings, conclusions, and formal written reports; present results to senior managers.
• Advise junior examiners, collaborate with senior management on team objectives, and may serve as lead examiner for assigned lines of business.

Requirements

• Bachelor’s degree in a related field.
• Seven years of credit-related experience, or five years of third-line-of-defense credit risk assurance, regulatory, or credit approval/management experience.
• Experience writing risk management review reports.
• Working knowledge of sound lending practices, lending regulations, credit policies, and underwriting guidelines.
• Ability to research, analyze data, and derive facts; work autonomously with limited guidance; work in a team environment; work under pressure and meet deadlines.
• Proficiency in Microsoft Office Suite, including Excel, Word, PowerPoint, and Outlook.
• Strong organizational, verbal, and written communication skills, work ethic, and self-motivation.
• Ability to learn additional systems as needed.

Culture & Benefits

• Full-time, incentive-eligible position exempt from timekeeping and overtime requirements.
• Paid vacation and sick time.
• 401(k) with company match, medical, dental, vision, disability, life insurance, health savings account, and flexible spending account.
• Parental leave and employee assistance program.
• Associate volunteer program.