Job description
Overview:
Credit Review is an independent contributor to the second line of defense for Texas Capital Bank and provides credit assurance and advisory services to senior management and the Board of Directors. The Credit Review Officer will assume a critical role in the Bank’s internal Credit Review organization whose mission is to help ensure the financial soundness of the Bank by independently evaluating the accuracy of risk ratings and timeliness of changes as well as identifying, assessing, and escalating credit risks, underwriting deficiencies, and related issues to the Board and other key stakeholders. To provide for independence, Credit Review reports functionally to the Risk Committee of the Board of Directors and administratively to the Chief Risk Officer. Responsibilities:
Texas Capital Bank is built to help businesses and their leaders. Our depth of knowledge and expertise allows us to bring the best of the big banks at a scale that makes sense for our clients, with highly experienced bankers who truly invest in people’s success — today and tomorrow.
While we are rooted in core financial products, we are differentiated by our approach. Our bankers are seasoned financial experts who possess deep experience across a multitude of industries. Equally important, they bring commitment — investing the time and resources to understand our clients’ immediate needs, identify market opportunities and meet long-term objectives. At Texas Capital Bank, we do more than build business success. We build long lasting relationships.
Headquartered in Dallas with offices in Austin, Fort Worth, Houston, Richardson, Plano and San Antonio, Texas Capital Bank was recently named the #1 most trusted bank in the country on Newsweek’s inaugural list of America’s Most Trusted Companies. For more information about joining our team, please visit us at www.texascapitalbank.com.
Headquartered in Dallas with offices in Austin, Fort Worth, Houston, Richardson, Plano and San Antonio, Texas Capital Bank was recently named the #1 most trusted bank in the country on Newsweek’s inaugural list of America’s Most Trusted Companies. For more information about joining our team, please visit us at www.texascapitalbank.com.
Credit Review is an independent contributor to the second line of defense for Texas Capital Bank and provides credit assurance and advisory services to senior management and the Board of Directors. The Credit Review Officer will assume a critical role in the Bank’s internal Credit Review organization whose mission is to help ensure the financial soundness of the Bank by independently evaluating the accuracy of risk ratings and timeliness of changes as well as identifying, assessing, and escalating credit risks, underwriting deficiencies, and related issues to the Board and other key stakeholders. To provide for independence, Credit Review reports functionally to the Risk Committee of the Board of Directors and administratively to the Chief Risk Officer.
- Execute all stages of credit reviews (both continuous and targeted reviews, as well as continuous monitoring of assigned business units)
- For continuous and targeted reviews, analyze credit memos for complex lending transactions to:
- Determine if credit analysis was sufficiently thorough and conclusions were reasonable
- Ensure that loans adhere to credit policy and to regulatory guidelines
- Verify that risk ratings have been assigned accurately and updated timely
- Complete analyses in conformance with established Credit Review procedures and regulatory guidelines. Document conclusions clearly and concisely. Communicate analysis results to senior business management, Credit Administration, and the
- Prepare reports detailing conclusions and hold discussions with senior business unit management, Credit Administration, and other units or functional areas under review. Secure from business line managers the appropriate remediation plans for identified
- When acting as Lead Reviewer for a targeted review, guide the review team to ensure key planning, fieldwork and report issuance milestone dates are
- Perform follow-up to resolve and validate open issues noted during reviews or by internal/external
- For continuous monitoring, perform ongoing monitoring of the key credit related activities for assigned business units. Prepare quarterly reports assessing the business unit's overall risk profile with a focus on asset quality and direction of risk. Effectively document /communicate concerns to
- Promote and maintain positive relationships with the business units and Credit Provide information and assistance when appropriate.
- Maintain relevant knowledge of key risk, legal and compliance issues relevant to the Bank’s lending
The duties listed above are the essential functions, or fundamental duties within the job classification. The essential functions of individual positions within the classification may differ. Texas Capital Bank may assign reasonably related additional duties to individual employees consistent with standard departmental policy.
Qualifications:- Bachelor's degree in Finance, Accounting, Economics, Banking, or related field or any combination of training, education, or experience
- 3+ years of work experience in underwriting, portfolio management or Credit Review for a commercial/wholesale lending organization, or comparable experience as a consultant or financial regulator assessing/monitoring performance of commercial lending programs. Specific experience in determining risk ratings is
- Team player who wants to work in a collaborative environment and build working relationships across the organization
- Strong ability to analyze data and identify trends and root causes
- Excellent project management, organizational and time management skills
- Strong verbal and written communication skills; successful candidate must be able to document conclusions clearly and concisely
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