Job Description
**This position will work onsite Mon – Thurs with Friday as an optional work from home day.
Job Summary
The Credit Review Audit Team Lead will be responsible for providing objective evaluations of the Bank's Consumer/Retail performance monitoring, internal controls, risk identification, portfolio management activity, and collections practices in adherence to the Bank's risk profile, policies and procedures by gathering, reviewing, testing and analyzing internally and externally generated guidance/documentation for credit review audits. The Credit Review Audit Team Lead responsibilities will also be focused on the Consumer Bank risk assessment, portfolio administration, ACH risk, assessing and monitoring credit risk metrics (KRIs and KPIs), and assist in the creation and preparation of reports for use by management. This position will review, trace, test and summarize results against samples for proper evidence and present results to department manager and auditors. The Credit Review Audit Team Lead will ensure comprehensive coverage of Consumer/Retail credit audit engagements, from start to finish, inclusive of scoping, testing, and follow up activities.
Essential Functions
Work with management and to monitor compliance with credit risk appetite and ensure alignment with assigned metrics and KRIs
Identify early signs of stress along with actual and potential credit weaknesses
Assist in the preparation of reports for use by management
Assess the adequacy of and adherence to internal credit policies and loan administration procedures
Monitor compliance with applicable Consumer laws and regulations
Communicate review progress and emerging risk factors
Manage personal pipeline (workload/workflow)
Plan Consumer credit audit approaches under the direction of supervisor
Determine required audits for relevant segment/special projects
Develop scope, audit objectives, and program based on assessed risk of subject matter
Determine staffing requirements for Audit
Ensure document and data integrity
Oversee/compile working papers as appropriate
Prepare meeting materials (soft, and final exits)
Present relevant findings appropriately to department manager and auditors
Obtain and analyze evidence, ensure audit conclusions are well-documented
Timekeeping/updating schedule of whereabouts during audits
Produce plan for completing field work
Oversee/collect of specific samples/data
Identify and communicate issues raised, recommend solutions relevant to business units and risk management
Summarize results/findings
Appraise adequacy of the corrective action taken to improve deficient conditions
Meet departmental continuing education requirements and proactively seeking relevant education and training opportunities
Knowledge of Crowe Credit360, BancAudit/Nautilus/CBS/Data Analysis Tool/Audit Management Software
Self-learn/maintain extensive knowledge of Northwest’s Risk Appetite Policy, SOX internal control narratives and test scripts, Call Reports and supporting schedules, Business Unit Risk Assessments
Ensure compliance with Northwest’s policies and procedures, and Federal/State regulations
Navigate Microsoft Office Software, computer applications, and software specific to the department in order to maximize technology tools and gain efficiency
Qualifications
Bachelor's Degree Accounting, Finance, or Business related degree preferred
6 - 8 years Credit Review/business related experience required
5 - 6 years Bank auditing experience preferred
Candidate must possess extensive knowledge of and be fluent in the review of, but not limited to commercial/consumer credit, regulatory exam reports, compliance reports, third party risk associated with various business units, Extensive
Ability to apply advanced financial analysis techniques, Extensive
Travel Requirements
As Needed within Northwest footprint for training and meetings
The pay range for this position is generally $100,000 - $115,000 annually. Actual pay is based on various factors including but not limited to the successful candidate’s experience, skills, and knowledge. Additional bonus earning opportunities and benefits are also available.
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Northwest is an equal opportunity employer. We are committed to creating an inclusive environment for all employees.
Top Skills
What We Do
Northwest Bank is a privately held community bank focused on serving the specific needs of businesses in Washington, Oregon, Idaho and Utah. Our experienced bankers deliver customized financial solutions and exceptional customer service. We do that by getting to know you, your business and your aspirations, first. Then we create a plan that will work, and stay with you every step of the way. We see our relationship with you as a partnership, the way banking should be.
Trust matters when picking your financial partner. Northwest Bank is rated as one of the best capitalized banks in the nation. We have earned 5-Star “Superior” ratings from both BauerFinancial® and Bankrate.com’s Safe and Sound® ratings service.
Founded in 2008, we have offices in Boise, Idaho; Portland, Oregon; Coeur d'Alene, Idaho; Seattle, Washington; and Salt Lake City, Utah metropolitan markets.
Northwest Bank: Experienced Bankers. Exceptional Service. Creative Solutions.
Member FDIC
Equal Housing Lender
