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First Vice President, Independent Credit Review Officer

First Vice President, Independent Credit Review Officer

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

More information about this job


BOFI Federal Bank (NASDAQ: BOFI) with over $8 billion in assets, is one of the fastest growing banks in the nation and rated in the top 5 of online banks in the country. It's a great time to join! 

  • Integral team member of credit risk review team 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 most 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
  • Provides support and assistance on ERM processes, including reviewing Risk Assessments
  • Construct, maintain, and deliver various ad-hoc reports for Senior Management and the Board
  • Assist or lead with loan review and loan discussion aspects of regulatory examinations
  • Supervise junior staff in a variety of credit review, regulatory relations or ERM roles

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 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:

  • 20 years of experience in a Credit Risk Review role or equivalent Senior Credit Administrator role 
  • Bachelor’s Degree in Business, Finance, Accounting, Mathematics or Economics 



  • Regulatory Examiner, Auditor, Consultant or Commercial Lending Officer background
  • 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
  • Deep 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.