Position may be telecommute eligible, however candidate must reside in PA or OH.

Completes departmental programs and special assignments in order to meet the objectives and goals of the department. Performs and/or assists with credit reviews for quality, accuracy, and compliance with regulations, seeking guidance from senior staff or management when necessary. Conducts independent detailed analysis and examination of underwriting, financials, and loan documentation used to determine the borrower's ability to repay the loan and the accuracy of the assigned risk rating. Compiles review results into standard report format, which consists of reciting the findings, conclusions, and recommendations to resolve any noted deficiencies into narrative terms.

Essential Job Responsibilities__________________________________

1. Completes departmental programs and special assignments in order to meet the objectives and goals of the department.

2. Performs and/or assists with credit reviews for quality, accuracy, and compliance with regulations, seeking guidance from senior staff or management when necessary.

3. Conducts detailed analysis and examination of underwriting, financials, and loan documentation used to determine the borrower's ability to repay the loan and the accuracy of the assigned risk rating.

4. Compiles review results into standard report format, which consists of reciting the findings, conclusions, and recommendations to resolve any noted deficiencies into narrative terms.

5. Verifies that loan portfolios adhere to laws, regulations, policies, procedures, and prudent business practices.

6. Affirms/assigns risk ratings in accordance with bank guidelines based on own analysis.

7. Sharpens credit analysis skills through exposure to a variety of financial conditions and companies being reviewed, as well as a greater complexity of loans.

8. Maintains up-to-date knowledge of changes in laws, regulations, and policies which affect the Credit Review area and function.

9. Assists other Audit Departments (i.e. Financial, Operations, and IT) as necessary and applies cross-functional skills.

10. Coordinates and communicates with other departments and external auditors as necessary to facilitate the exchange of necessary information and documentation.

Bona Fide Occupational Qualifications___________________________

1. A Bachelor’s degree in Finance, Accounting, or related field.

2. A minimum of three (3) years banking and/or credit review or lending with emphasis on commercial lending experience.

3. Working knowledge of general financial institution policies and procedures and proficiency in Microsoft Word and Excel.

4. Excellent organizational, problem-solving and analytical skills including the ability to define problems, collect data, establish facts, and draw conclusions.

5. Must possess a valid driver’s license and have the ability to travel regionally if necessary.

6. May be eligible for Telecommuting.

First Commonwealth Bank

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Credit Review Officer