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Junior Independent Credit Review Officer

Junior Independent Credit Review Officer

Job ID 
2017-1738
Job Locations 
US-CA-San Diego
Job Type 
Regular Full-Time
Department 
Governance, Risk and Compliance

More information about this job

Description

Leader in online banking, BofI Federal Bank [NASDAQ:BOFI], founded 1999 is ranked in the top 5 online banks by PCMag and Fortune ranked BofI #48 for Fastest Growing Companies in the Country. Are assets are approximately $8.7Billion and growing.

 

This opportunity in Compliance is with a collaborative, sharp team. 

  • Integral team member of credit risk review that independently tests lending department adherence to banking policies and industry-standard credit processes  
  • Using a risk-based approach, perform reviews of the bank's assets, portfolios, and credit risk management processes in order to evaluate  asset quality, as well as strengths and weaknesses inherent in lending policies, procedures, and practices
  • Evaluate and classify the Bank's assets on a regular basis in a manner consistent with the classification system utilized by the federal regulators
  • Knowledgeable and well-versed about BOFI loan products
  • Work closely with Senior Management in the Credit Department and the lending and investment business units
  • Recommend well-supported changes to underwriting, monitoring and other credit risk management standards, as appropriate
  • Provide support and assistance on ERM processes, including reviewing Risk Assessments
  • Construct, maintain, and deliver various ad-hoc reports for Senior Management and the Board

Key Skill Sets or Knowledge Requirements

  • Strong analytical and logic skills, including the ability to differentiate risks, derive sound conclusions and formulate constructive arguments
  • Ability to manage multiple and/or shifting priorities, and produce a professional and accurate work product, under time constraints
  • Creative problem-solving skills and intuitive risk-identifying abilities
  • Excellent oral and written communication skills, including strong listening and debate skills
  • Strong computer skills including all MS Office systems

Desired Career Experience & Education Requirements

  • 2 or more years experience in a similar financial services role, and experience as a bank credit analyst, loan officer, consulting, bank credit risk review role or equivalent role
  • Meaningful experience with complex commercial credit (structured finance, leveraged lending, asset-based lending, structured settlement discounting, factoring, etc.), retail credit, and all real estate loan products is highly desired
  • Bachelor’s Degree in Business, Finance, Accounting, Mathematics or Economics preferred

 

Preferred: 

  • Experience with Credit Products across multiple asset classes and within Large Banks  

 

 

Job Functions & Work Environment:

 

While performing the duties of this position, the employee is required to sit for extended periods of time. Manual dexterity and coordination are required while operating standard office equipment such as computer keyboard and mouse, calculator, telephone, copiers, etc.

 

The work environment characteristics described here are representative of those an employee may encounter while performing the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of this position.

 

 

Equal Employment Opportunity:

 

BofI Federal Bank is an equal opportunity employer committed to creating a diverse workforce. We consider all qualified applicants without regard to race, religion, color, sex , gender identity and expression, sexual orientation, national origin, ancestry, citizenship status, uniform service member and veteran status, marital status, pregnancy, age, protected medical condition, genetic information, disability, or any other protected status in accordance with all applicable federal, state and local laws. Candidates must possess authorization to work in the United States.