Credit Risk Review Officer

Job not on LinkedIn

🔥 0 minutes ago

🌲 North Carolina – Remote

🌲 North Carolina – Remote

💵 $128.5k - $179.9k / year

⏰ Full Time

🟠 Senior

🔴 Lead

👻 Ghost score 0%

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Live Oak Bank

WebsiteLinkedInAll Job Openings

501 - 1000 employees

Founded 2008

🏥 Healthcare

🍽️ Food & Beverage

🛡️ Insurance

💰 $75M Private Equity Round on 2014-08

Healthcare • Food & Beverage • Insurance

Live Oak Bank is a fully digital bank that offers a wide range of banking products and services to both businesses and individuals. The bank specializes in high-yield savings accounts, certificates of deposit (CDs), and a variety of business loans such as SBA and USDA loans. They emphasize competitive interest rates and digital accessibility, allowing customers to manage their finances without physical branches. As an FDIC-insured institution, Live Oak Bank is committed to providing reliable and secure banking solutions. Additionally, they focus on personalized banking experiences by connecting directly with clients to tailor loan strategies that meet individual business needs.

📋 Description

• Lead reviews of the Bank's most complex, higher-risk, or specialized lending relationships • Develop independent conclusions regarding risk ratings, underwriting quality, policy compliance, and portfolio management practices • Monitor portfolio performance and identify trends, emerging risks, delinquency, bankruptcy, collateral sufficiency, and industry concentrations • Contribute to credit risk review methodologies, coverage strategies, reporting frameworks, and risk assessment practices • Perform individual file and relationship reviews under the risk-based loan review program • Validate loan risk grade assignments against policies and regulatory guidelines • Serve as subject matter expert for assigned commercial products • Ensure quality, completeness, and accuracy of credit risk review documentation and analysis • Participate in findings discussions and monitor corrective actions • Provide independent challenge to lending, underwriting, and portfolio management practices • Support regulatory examinations, internal audits, and governance reporting • Deliver timely reports to the Managing Director, Credit Risk Review • Maintain expertise in commercial and government-guaranteed lending programs, including SBA and USDA • Manage, coach, and develop Credit Risk Review Associates and Senior Associates • Serve as a thought partner in enhancing credit policy, risk appetite, and portfolio management strategies • Maintain awareness of BSA, AML, CIP, and OFAC requirements

🎯 Requirements

• 10+ years of progressive experience in credit risk review, special assets, internal audit, or commercial credit within a regulated financial institution • Extensive knowledge of complex and highly structured commercial lending structures, underwriting standards, credit risk frameworks, and portfolio management practices • Expertise in Sponsor Finance, Lender Finance, Subscription Finance, Asset Based Lending, and Venture • Ability to provide a fulsome review and opinion on credit risk and mitigated loan quality of large, structurally complex transactions • Strong understanding of regulatory expectations related to credit risk management, independent loan review, and safety-and-soundness standards • Ability to implement review methodologies, drive process improvements, and contribute to executive-level reporting • Strong analytical, communication, and relationship-building skills • University or college degree in a related discipline (preferred) • Formal credit risk training or professional certification (preferred) • Familiarity with risk analytics, credit metrics, portfolio analysis, and credit MIS tools (preferred) • Background in high-growth or digitally focused banking environments (preferred) • Ability to mentor and lead high-performing risk or credit teams (preferred) • Work sponsorship is not supported now or in the future

🏖️ Benefits

• Annual bonuses • Long-term incentives • Paid sick leave, at least the applicable state minimum • Employee benefits detailed on the company careers page