Raymond James Financial, Inc

Senior Manager, Loan Review

Raymond James Financial, Inc$110K — $130K *
Finance & Insurance
5 - 7 years of experience
Job Overview by Ladders

Qualifications

  • Bachelor's degree in Business, Economics, Accounting, or Finance.
  • 7 years of experience in CRE or C&I lending, credit/loan review, or similar roles.
  • Strong credit skills with a focus on Corporate Lending and preferably Private Bank Lending.
  • Comprehensive understanding of financial statements and credit risk metrics.
  • Knowledge of regulatory requirements and lending practices.

Responsibilities

  • Develop quantitative analysis for credit risk assessment at the portfolio level.
  • Perform independent loan reviews to gauge borrower creditworthiness.
  • Evaluate financial statements to ensure accurate risk ratings.
  • Discuss deficiencies and corrective actions with loan officers and managers.
  • Prepare reports on portfolio quality and risk with actionable recommendations.

Benefits

  • Medical, dental, and vision insurance.
  • Life insurance and critical illness insurance.
  • Disability benefits.
  • Retirement savings plan.
  • Paid time off including vacation, holidays, and sick leave.
Full Job Description
Job Description Summary
The individual will be responsible for conducting credit risk assessments on loan portfolios within Raymond James Bank ("RJB") and TriState Capital Bank ("TSCB"). Reviewable entities include Commercial Lending (CRE, REIT and C&I), Private Bank Lending and Shared National Credits ("SNC"). This will include a review of loans based on risk assessment findings as part of the Bank's continuous monitoring program.

Each loan under review will be evaluated for adherence to the Bank's credit underwriting standards, policies, procedures, guidelines and regulatory requirements, including completeness of documentation/files.

This is a hybrid role which requires a minimum of three (3) days per week in the St. Petersburg, FL office.

Job Description

Essential Duties and Responsibilities
• Develop quantitative analysis to assess credit risk at the portfolio level.
• Perform independent loan reviews to evaluate the creditworthiness of the borrower.
• Analyze financial statements and other required data provided in the credit file to ensure that risk rating is appropriate and upgrades/downgrades are done in a timely manner in line with banks policies/procedures and regulatory requirements.
• Discuss all noted deficiencies and identified weaknesses, and any existing or planned corrective actions, including timeframes for correction, with appropriate loan officers and managers.
• Assist in preparing reports summarizing portfolio quality and risk issues with recommended corrective action.
• Maintain a level of understanding of credit risk policies/requirements, regulatory expectations and contribute to improving effectiveness and efficiency of the credit risk analysis processes/methodologies.

Knowledge, Skills, and Abilities
• Strong credit skills along with experience in Corporate Lending (CRE, REIT, C&I); experience in Private Bank Lending (Residential Mortgages, Securities Based Loans and/or Structured Loans) is a plus.
• Financial statement analysis including comprehensive understanding of balance sheet, income statement and cash flow drivers impacting critical credit risk metrics.
• Experience in evaluating or assigning risk ratings.
• Knowledge of regulatory definitions and classifications of loans.
• Working knowledge of lending practices, policies, procedures, disclosures and terminology related to banking laws, regulatory requirements and legal documents.
• Well-developed interpersonal and written/verbal communication skills demonstrating the ability to communicate effectively, clearly and persuasively in a variety of settings, formats and audiences.
• Strong organizational, time management and follow-up skills, demonstrating a strong sense of urgency and ability to execute quickly, timely and efficiently.
• Ability to multi-task and decide key priorities with confidence, motivation, decisiveness and flexibility.
• Demonstrated ability to collaborate, influence and manage competing priorities across the organization.

Educational/Previous Experience Requirements
• Bachelor's degree in Business, Economics, Accounting or Finance with at least seven (7) years of experience in CRE or C&I lending, credit/loan review and/or similar position requiring strong business knowledge and credit judgment.

Education
Bachelor's: Accounting, Bachelor's: Business Administration, Bachelor's: Finance

Work Experience
General Experience - 6 to 10 years

Certifications

Travel
Less than 25%

Workstyle
Hybrid

The total compensation for this position includes base salary or wages, and may include components such as additional compensation (cash or equity), discretionary bonuses, or commissions. This position is eligible for a benefits package that may include medical, dental, and vision; life insurance; critical illness insurance and accident insurance; disability benefits; retirement savings; paid time off (including vacation, holidays, and sick leave); and parental leave. Eligibility for benefits and specific offerings may vary based on position and employment status. To view more details of the benefits offered, visit Myrjbenefits.com.

About Raymond James Financial, Inc

The Raymond James Technology and Communications Investment Banking Group is a committed and thoughtful partner that provides a full range of investment banking services and best practices. The group is comprised of experienced professionals that have extensive investment banking expertise. They leverage the industry expertise of Raymond James' award-winning research department. The group focuses on key sectors within technology and communications including: communications software, communication towers, defense electronics, enterprise software, internet infrastructure services, homeland security, IT services, mobile technology, semiconductors, software-as-a-service, telecommunications equipment, telecommunications infrastructure and support services, and wireless & wireline telecommunications services. They take pride in a client-centric approach to M&A, with focus on delivering independent solutions that creates value for the long term. The outcome of this unique approach may be seen in the successful transactions of their clients, including over 80 public offerings totaling $17 billion and over 85 strategic advisory transactions totaling over $5 billion in value since 1998.

Raymond James Financial, Inc Careers

Join the vibrant team at Raymond James Financial, Inc, a leading financial services company where innovation, leadership, and professional growth are at the forefront of our operations. As a hub of diversity and expertise, Raymond James offers unparalleled job opportunities that propel your career to new heights. Work You’ll Do At Raymond James Financial, Inc, you’ll collaborate with some of the most talented professionals in the financial industry. Our team is dedicated to providing strategic financial solutions and advice to our clients, helping them achieve their financial goals while fostering economic growth. With a culture rooted in leadership and diversity training, Raymond James is the perfect place to enhance your skills and thrive professionally. Join our market-leading team to assist a diverse range of clients, from individuals to large corporations, in navigating their financial planning with precision and innovative strategies. Lead in a role where your expertise directly influences the success and stability of our clients' financial futures. Work with a dynamic team of advisors and experts who are committed to pushing the boundaries of the financial sector through continuous innovation and exceptional client service. Raymond James Financial, Inc Job Opportunities Introducing the Raymond James Career Development Program We are committed to nurturing talent through our comprehensive career development program designed to provide every employee—from interns to senior leaders—with the tools and training necessary for success. Whether you’re just starting out with an internship or you’re a seasoned professional, Raymond James offers career paths that align with your ambitions and skills. Do Innovative Work Join a company where innovation is part of the daily routine. At Raymond James Financial, Inc, you’ll engage with cutting-edge financial tools and resources that keep you ahead in the industry. Our commitment to technology and innovation ensures that we stay at the forefront of financial services. Be Part of a Great Team Experience a collaborative environment where teamwork and networking are encouraged. Our inclusive culture supports diversity and offers benefits that ensure the well-being of all team members. At Raymond James, you’re not just an employee; you’re part of a family that values your unique contributions and supports your professional journey. Future-Proof Your Career Advance your career with Raymond James, where opportunities for growth are abundant. Benefit from our industry-leading training programs and gain certifications that will elevate your professional standing. With a focus on career longevity and satisfaction, Raymond James ensures that your professional journey is as rewarding as it is successful. Explore Discover the various positions available at Raymond James Financial, Inc that match your skills and interests. We are continuously hiring across multiple disciplines, eager to welcome passionate, curious, and solution-driven team players. Stay Connected Join Our Team Search open positions at Raymond James Financial, Inc and find the perfect match for your career aspirations. Explore a range of opportunities from financial advising to corporate roles that align with your professional skills and goals. Keep Up to Date Stay informed with the latest career tips, insider perspectives, and industry-leading insights—all from the professionals who thrive at Raymond James. Job Alert Emails Customize your subscription to receive job alerts, latest news, and insider tips tailored to your preferences. Discover the exciting and rewarding career opportunities waiting for you at Raymond James Financial, Inc. Join Raymond James Financial, Inc today and be part of a company that values innovation, leadership, and professional growth. Your future in the financial industry starts here.
Learn more about Raymond James Financial, Inc
Size
15,000 employees
Market Cap
$22.6 billion
Industry
Net Income
$862 million
5 Year Trend
+11.6%
Revenue
$8.3 billion
NASDAQ

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