CREDIT RISK REVIEW OFFICER SENIOR CREDIT ADMIN 2LOD

　　WHAT IS THE OPPORTUNITY?

　　The Credit Risk Review Officer Senior - Credit Administration will support the Credit Administration Credit Risk Management daily activities for credit risk monitoring, identification and mitigation strategies of diversified consumer and commercial loan portfolios. Will independently assess and opine upon the overall credit risk and effectiveness of credit risk management to ensure limited risk exposure by adherence to bank and regulatory standards. This position also serves as an internal advisor to 2LODs to identify, recommend and effect process changes regarding credit risk management activities, regulatory issues related to credit risk, credit policy, and general credit underwriting guidelines; identifies current or potential problems regarding the assessment of credit risk and the administration of Bank credit/loan exposure; analyzes and monitors the quality of various retail and commercial credits that represent the wide range of credit products offered by the Bank. Evaluates Credit Policies/Credit Process and assures that proper credit controls are in place to fully satisfy safety and soundness standards established by Bank regulators; monitors adherence to such polices and validates that exceptions are adequately identified, fully justified and properly approved. This position supports 2LOD Credit Risk Management team in monitoring the 1LOD credit activities, Special Assets and 2LOD Credit Administration activities.

　　Risk Management Division

　　This is a great opportunity to grow your career with a stable and expanding organization as a member of City National's Risk Management team. The focus is on ensuring business activities remain safe, compliant and well-positioned for future opportunity and sustainable growth.

　　What you will do

　　Lead and manage credit risk reviews of various types of credit portfolios and credit processes.Performs risk based independent reviews of all types of CNB loan portfolios (including quality assurance document and underwriting reviews) to identify current or potential problems, as well as positive elements, regarding the assessment of credit risk and the administration of Bank credit/loan exposure.Determines the accuracy of assigned internal credit risk ratings, proper exception codes, regulatory leverage designations are correctly identified to adequately manage portfolio riskReviews and assesses non-compliance with CNB policies and procedures, and determines loan weaknesses so that timely corrective actions can be taken, violations of laws and regulations and inadequate credit/collateral documentation.Ensure credit-granting is properly managed with credit exposures consistent with prudential standards and limits; along with established and enforced controls to ensure Policy and Procedures and limit exceptions are reported timely to ManagementMonitor, track and report on Risk Appetite metrics and concentration limitsWork with Credit Portfolio Management to establish portfolio credit risk management performance guardrails and evaluate performance, utilize sensitivity analysis, stress testing, market trend, and other analytical methodologies to anticipate any credit trends or deterioration and obtain insights into portfolio performance and market opportunitiesCollaborate with the Manager, Division Risk, Credit Administration and the Credit Risk Program Manager, Credit Administration in creating and delivering presentations for senior management that include portfolio activities, analytics of risk, performance, emerging trends and opportunitiesCoordinate the completion of risk mitigating actions and providing status updates of open/closed issues to senior management and second line of defense Issue Management GroupCoordinate activities with other departments in the bank responsible for risk management including 1LOD Office of the President and Credit Risk Review (3LOD)Conduct QA/QC testing, validation and reporting on the performance of risk mitigating controls (e.g. if policies and procedures are being followed, if sign off limits are being exceeded, if EDD guidelines are being followed, etc.)Identifies, recommends and effects process changes as related to credit risk management activities, regulatory statutes, credit policy and general credit underwriting guidelines.Interprets and evaluates Bank Credit Policy and assures that proper credit controls are in place to appropriately manage credit risk. Monitors adherence to such policies and validates that exceptions are adequately identified, fully justified and properly approved.Acts as internal advisor/partner to CNB's line units regarding loan and credit matters and provides guidance in areas that require further development.Maintains awareness of the current regulatory/industry trends impacting the Bank's credit areas.Promotes teamwork within the department to ensure that knowledge and experience is shared among team members.Prepares departmental reports and other portfolio reporting as requested by management.Complies fully with all Bank Operational and Credit policies and procedures as well as all regulatory requirements (e.g. Bank Secrecy Act, Know Your Client, Community Reinvestment Act, Fair Lending Practices, Code of Conduct, etc.).Completes all required training and special projects as requested.

　　Must-Have

　　Bachelor's Degree in finance, economics or accountingMinimum 10 years of experience in credit risk portfolio management, credit administration, loan origination, and/or credit analysis as a commercial lender, regulator or credit review officerMinimum of 5 years of MS Office experience; working knowledge of Sharepoint, Tableau and Salesforce is a plus

　　Skills and Knowledge

　　Completion of a formal credit training program at a commercial bank a plus.Previous experience in leading teams of Credit Risk Officers and/or Analysts is highly desirable.Strong understanding of analyzing various types of middle market credits required.A thorough understanding of analyzing various types of commercial credit including corporate, syndicated, and leveraged loans is highly desired, along with understanding of high net worth and private client lending and retail loan products.Knowledge of Probability of Default (PD) and Loss Given Default (LGD) systems are desired.Must be able to lead a team of Credit Risk Officers in the successful completion of credit risk review activities and related projects.Must be able to work successfully in a client focused, consultative work environment.Excellent interpersonal skills, strong verbal and written communication skills, and strong project management skills.Thorough knowledge and operational skills in the use of personal computers and various software packages, including Excel and Word.

　　Compensation

　　Starting base salary: $111,408 - $189,738 per year. Exact compensation may vary based on skills, experience, and location. This job is eligible for bonus and/or commissions.

　　To be considered for this position you must meet at least these basic qualifications

　　The preceding job description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job.

　　Benefits and Perks

　　At City National, we strive to be the best at whatever we do, including the benefits and perks we offer our colleagues. Get an inside look at our Benefits and Perks.

　　INCLUSION AND EQUAL OPPORTUNITY EMPLOYMENT

　　City National Bank is an equal opportunity employer committed to diversity and inclusion. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status or any other basis protected by law.'

　　ABOUT CITY NATIONAL

　　We start with a basic premise: Business is personal. Since day one we've always gone further than the competition to help our clients, colleagues and community flourish. City National Bank was founded in 1954 by entrepreneurs for entrepreneurs and that legacy of integrity, community and unparalleled client relationships continues to drive phenomenal growth today. City National is a subsidiary of Royal Bank of Canada, one of North America's leading diversified financial services companies.