This role is for an experienced credit risk professional to join the Credit Review group within Internal Audit. This role offers you exposure to senior executives outside of Internal Audit and across the firm.

Job Summary

As a Credit Review Audit Associate within our Credit Review group in Internal Audit Department, you will have the opportunity to assist the Credit Review Officers and Managers in evaluating consumer credit portfolios and performing periodic credit reviews.  You will work with members of the Credit Review team to analyze loan transactions and perform assessments of underwriting and portfolio management to independently opine on the adequacy of underwriting, credit decisions, and effectiveness of the credit management process supporting credit quality.  Between periodic reviews, you will assist other team functions which include but are not limited to independently monitoring credit risk trends within certain consumer lending portfolios and developing ideas to create efficiencies within the current processes.    

Job Responsibilities

Assist in periodic credit reviews which includes analyzing the credit underwriting quality of individual and automated transactions, recording test results and conclusions in a work paper database, and participating actively in all review meetings.Performing continuous monitoring of assigned portfolios to assess credit risk trends, credit performance, business activities, industry events and regulatory changes for identification of emerging themes and impacts to credit quality.Develop and managing relationships with senior leaders and stakeholders while maintaining independence.Apply firmwide risk policy, credit procedures, and Credit Review policies and procedures consistently.Communicate using verbal and written communication and interpersonal skills required with ability to present complex issues to management.Establish and maintain a business climate and culture that encourages integrity, respect, excellence and innovation.

Required qualifications, capabilities and skills

Minimum 7+ years of retail credit experience, with a background in credit underwriting, quality control, quality assurance, and/or credit risk managementBachelor’s degree in accounting, Finance, Economics, or a related discipline.Knowledge of Auto Finance, Business Banking, Card Services, Mortgage Lending or similar underwriting principles.Demonstrated understanding of credit risk management, retail credit principles, financial analysis, and advanced analytical skills.Excellent verbal and written communication and interpersonal skills required with ability to present complex and sensitive issues to management. 

Preferred qualifications, capabilities and skills

MBA or Chartered Accountant with retail credit background is preferred, but not necessary.Previous Credit Review experience is preferred, but not necessary.Previous work experience with a U.S. banking institution is preferred, but not necessary.Proficiency with analytics toolsets including databases, Tableau, and data visualization applications.Enthusiastic, self-motivated, effective in a dynamic fast-paced environment and willing to take personal risk, responsibility, and accountability.Proven ability and desire to learn quickly, be flexible, and think strategically while managing multiple tasks concurrently, with a high sense of urgency.Works well individually and in teams, shares information, supports colleagues, and encourages participation.