Job Responsibilities:
- Help drive the quality and effectiveness of risk controls established by business and process owners by independently testing the credit risk of lending decisions made within the first line with a focus on level of risk assumed in relation to risk appetite.
- Conduct both random and targeted reviews to provide an independent evaluation of Card and Business Banking approved and declined credit decisions to ensure the risk reward balance is properly maintained.
- Evaluate the strengths and weaknesses of existing controls and provide business direction on opportunities for improvement.
- Provide an independent, objective view of credit risk assessments, mitigation strategies and emerging risks.
- Actively participate in weekly team application review meetings to ensure the group is providing accurate/consistent/timely feedback to the first line business groups.
- Present findings to senior leaders as appropriate.
Required qualifications, capabilities, and skills:
- 5+ years of financial industry experience
- 5+ years of business lending experience
- Extensive knowledge of small business lending including spreading/analyzing financial statements
- Ability to collaborate with business and functional experts to provide risk assessment guidance, recognize risks and design enhancements
- Proven ability to build relationships with key stakeholders
- Strong decision making, analytical and creative thinking skills
Preferred qualifications, capabilities, and skills:
- Prior experience in a quality control role reviewing Card or Business Banking credit decisions