Brief Overview of PositionCredit 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 expanding internal Credit Review organization whose mission is to help ensure the financial soundness of the Bank by independently identifying, assessing, and escalating credit risks 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- Manage and execute all stages of credit reviews (both continuous reviews and targeted reviews, as well as continuous monitoring of assigned business units). Complete analyses in conformance with established Credit Review procedures and regulatory guidelines.
- For all reviews, analyze credit memos for complex lending transactions to:
- Determine if credit analysis was sufficiently thorough and conclusions were reasonable. This includes evaluating underwriting quality, covenant structures, guarantees, collateral, borrowing base formulas, and repayment terms across multiple lending segments.
- Ensure that loans adhere to credit policy and to regulatory guidelines. Document conclusions clearly and concisely. Communicate analysis results to senior business management, Credit Administration, and the regulators.
- Verify that risk ratings have been assigned accurately and updated timely. Assess and validate risk rating components within the bank's dual risk rating framework; recommend and defend rating changes with clear, data-supported rationale.
- 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 issues and follow through to validate completion of remediation and effectiveness of remediation solutions.
- When acting as Lead Reviewer for a targeted review, guide the review team to ensure key planning, fieldwork and report issuance milestone dates are met.
- Identify gaps in credit policy, credit processes, and risk rating models.
- For continuous monitoring, perform ongoing monitoring of the key credit related activities for assigned business units, including attending periodic portfolio focused meetings. 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 management.
- Promote and maintain positive relationships with the business units and Credit Administration. Provide information and assistance when appropriate.
- Maintain relevant knowledge of key market-risk issues, legal and compliance involved in credit related activities.
- Recommend process enhancements and help integrate AI-driven methodologies into review workflows to improve review accuracy and efficiency.
Qualifications- Bachelor's degree in Finance, Accounting, Economics, Banking, or related field or any combination of training, education, or experience.
- Minimum of 3 years demonstrated successful experience in underwriting, portfolio management or Credit Review of a commercial/wholesale lending portfolio, or comparable as a consultant or financial regulator with primary responsibility emphasis in the assessment and performance of commercial lending programs. Specific experience in determining risk ratings is preferred.
- Technical expertise in underwriting complex CRE, C&I, or other specialty financing credits.
- Excellent organizational and time management skills and an ability to autonomously work with limited supervision in a remote environment.
- Strong ability to analyze data and identify trends and root causes.
- Proven project management skills and abilities
- Strong communication and negotiation skills
- Ability to document conclusions clearly and concisely
- Ability to function efficiently in a team environment
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.
