Credit Risk Officer jobs in San Diego, CA

Credit Risk Officer provides analysis and evaluation in order to reduce credit risk for a financial institution. Extracts data from a variety of sources and uses data to build simple to moderately complex financial models that predict risk exposure. Being a Credit Risk Officer prepares performance reports for management. Requires a bachelor's degree. Additionally, Credit Risk Officer typically reports to a supervisor or manager. The Credit Risk Officer works on projects/matters of limited complexity in a support role. Work is closely managed. To be a Credit Risk Officer typically requires 0-2 years of related experience. (Copyright 2024 Salary.com)

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Credit risk officer
  • Fifth Third Bank
  • San Diego, CA FULL_TIME
  • Make banking a Fifth Third better

    We connect great people to great opportunities. Are you ready to take the next step? Discover a career in banking at Fifth Third Bank.

    GENERAL FUNCTION :

    Pursuant to the Bancorp Risk Framework, executes credit risk management strategies and policies, exercising independent judgement and providing constructive and credible challenge to credit risk recommendations, credit risk portfolio management and monitoring, approves credit exposure, providing feedback on proper structuring and pricing.

    Monitors ongoing credit administration and attends LOB pipeline meetings to ensure credit standards are followed across assigned business segment.

    Participant in customer calls as needed. Monitors credit quality through forward looking analysis as well as reviewing system-generated reports.

    Responsible and accountable for credit risk management and constructive, credible challenge by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined.

    Accountable for always doing the right thing for customers and colleagues, and ensures that actions and behaviors drive a positive customer experience.

    While operating within the Bank's risk appetite, achieves results by consistently identifying, assessing, managing, monitoring, and reporting risks of all types.

    LI-GM1

    ESSENTIAL DUTIES & RESPONSIBILITIES :

    • Approve or reject most complex loans within delegated authority and approved risk limits including where difficult questions of policy or credit risk may be involved.
    • With Line of Business (LOB) input, ensures that policies, including enterprise level policies, appropriately reflect the Bank's credit risk appetite and are approved and reviewed in an appropriate and timely manner.
    • Provide necessary forward looking review for ongoing maintenance of credit exposure as applicable.
    • Review and challenge credit approval packages for loans approved within the LOB's lending policies, limits, appetite, and delegated authorities.
    • In event of a limit breach, collaborates with the LOB to develop and execute action plans to return the relevant credit exposure to a level within credit risk appetite.
    • Responsible for providing effective, credible challenge on client selection, risk identification / mitigation, and adherence to risk appetite, policies, and underwriting standards.
    • Credit Risk Officers may participate in LOB deal screens to ensure engagement and provide early constructive feedback on opportunities.
    • Review periodic Bancorp credit quality reports to assess assigned LOB's adherence to the Bank's credit risk appetite and business objectives.
    • Attend and provide effective, credible challenge to the LOB in various meetings including administrative loan meetings, portfolio review meetings, etc.
    • Provide information, analysis, and credit risk and portfolio recommendations to the Senior Credit Officer.
    • Represent Bancorp in high-level customer interaction as well as community affairs.
    • Adjudicate requests to change regulatory classifications both for upgrades and downgrades.
    • Responsible for oversight and challenge to the LOB regarding the timeliness of transfers to the Special Assets Group.
    • Accountable for the following as it relates to a portfolio review :
    • Using both internal and external data to identify portfolio trends such as increasing concentration risks, increasing industry risks, increasing material underwriting exceptions and emerging risks.
    • Determining a Direction of Risk (DOR) and Level of Risk (LOR) for the portfolio, together with actions that should be taken to reduce risk or strengthen risk management ensuring that, amongst other things, lessons learned are identified and operationalized where appropriate.
    • SUPERVISORY RESPONSIBILITIES : May supervise others. Responsible for providing employees timely, candid and constructive performance feedback;
    • developing employees to their fullest potential and provide challenging opportunities that enhance employee career growth;

    developing the appropriate talent pool to ensure adequate bench strength and succession planning; recognizing and rewarding employees for accomplishments.

    MINIMUM KNOWLEDGE, SKILLS & ABILITIES REQUIRED :

    • Bachelor's Degree in Finance, Business Administration, or Accounting. Master's Degree preferred.
    • Ten years of related credit experience.
    • Financial and credit analysis including portfolio management.
    • Knowledge of the banking industry, relevant banking regulation, commercial banking, capital markets, and treasury management products and the associated risks.
    • Proficient in basic spreadsheet applications such as Excel, Word, etc.
    • Demonstrated ability to learn and understand various computer systems.
    • Excellent communications and organizational skills.
    • Excellent people / relationship building skills.

    WORKING CONDITIONS :

    • Normal office environment with little exposure to dust, noise, temperature and the like.
    • Extended time at desk, viewing computer screens.

    Credit Risk Officer

    Total Base Pay Range 120,400.00 - 241,300.00 USD Annual

    LOCATION Dallas, Texas 75240

    Fifth Third Bank, National Association is proud to have an engaged and inclusive culture and to promote and ensure equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status.

    Last updated : 2024-03-07

  • 19 Days Ago

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Manager, Credit & Energy Risk
  • Clearway Energy
  • Carlsbad, CA FULL_TIME
  • What The Role Is The Manager of Credit and Energy Risk will reside within the middle-office function and play a key role in the risk management of energy marketing and trading activities across Clearw...
  • 8 Days Ago

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Director of Risk and Compliance
  • Frontwave Credit Union
  • Oceanside, CA FULL_TIME
  • Overview The Director of Risk and Compliance is responsible for the overall management of Frontwave Credit Union’s Compliance, Quality Control, Audit and Risk programs and teams. The Director of Risk ...
  • 21 Days Ago

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Flex Security Officer
  • Brosnan Risk Consultants
  • San Diego, CA FULL_TIME
  • Company Overview/Benefits Flex and Unarmed Security Officers Needed Hiring Immediately/ Weekly Pay $18.00-$20.00/HR Morning/Swing/Graveyard San Diego Area MUST HAVE OPEN AVAILABILITY Part Time and Ful...
  • 15 Days Ago

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LEO Security Officer
  • Brosnan Risk Consultants
  • San Diego, CA PART_TIME
  • Company Overview/Benefits LEO Security Officer Active or Retired $65 an Hour **Must be able to Provide Credentials** Company Overview/Benefits: · Here at Brosnan Risk Consultants, our culture encourag...
  • Just Posted

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VP, Credit Officer
  • Axos Bank
  • HQ, CA FULL_TIME
  • Job Summary and OpportunityLead credit underwriting and portfolio management of diverse debt solutions for middle market companies supported by private equity ownership, and selective fund finance tra...
  • 20 Days Ago

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0 Credit Risk Officer jobs found in San Diego, CA area

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VP - Branch Network
  • California Coast Credit Union
  • San Diego, CA
  • Under the general guidance of the Executive Vice President of Member Delivery, the Vice President of the Branch Network ...
  • 3/28/2024 12:00:00 AM

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ENGINEER/SCIENTIST
  • Naval Sea Systems Command
  • San Diego, CA
  • Summary This position is part of the Warfare Centers Personnel Demonstration Project. The ND-5 pay band encompasses posi...
  • 3/27/2024 12:00:00 AM

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VP, Tech Strategy and Enterprise Architecture
  • California Coast Credit Union
  • San Diego, CA
  • The Vice President of Technology Strategy and Enterprise Architecture is accountable for setting and executing the enter...
  • 3/26/2024 12:00:00 AM

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AVP - Payment Operations
  • California Coast Credit Union
  • San Diego, CA
  • The Assistant Vice President (AVP) of Payment Operations is accountable for monitoring, analyzing, making recommendation...
  • 3/26/2024 12:00:00 AM

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Director, Total Rewards
  • Cetera Financial Group
  • San Diego, CA
  • Cetera Financial Group is undertaking a search for a Director of Reward with experience in Compensation, Benefits and Me...
  • 3/26/2024 12:00:00 AM

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Paralegal *Hybrid work schedule!
  • Midland Credit Management
  • San Diego, CA
  • Job Description Job Description The Paralegal I provides support and assistance to the company's in-house legal group. T...
  • 3/26/2024 12:00:00 AM

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Underwriter
  • Accessity
  • San Diego, CA
  • About Accessity: The mission of Accessity is to open doors of financial opportunity to those with historically less acce...
  • 3/25/2024 12:00:00 AM

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Sr. Human Resources Generalist
  • California Coast Credit
  • San Diego, CA
  • Job Description Job Description Under the general guidance of the VP, Human Resources, the Human Resources Business Part...
  • 3/24/2024 12:00:00 AM

According to SDSU professor emeritus Monte Marshall, San Diego Bay is "the surface expression of a north-south-trending, nested graben". The Rose Canyon and Point Loma fault zones are part of the San Andreas Fault system. About 40 miles (64 km) east of the bay are the Laguna Mountains in the Peninsular Ranges, which are part of the backbone of the American continents. The city lies on approximately 200 deep canyons and hills separating its mesas, creating small pockets of natural open space scattered throughout the city and giving it a hilly geography. Traditionally, San Diegans have built the...
Source: Wikipedia (as of 04/11/2019). Read more from Wikipedia
Income Estimation for Credit Risk Officer jobs
$68,789 to $93,369
San Diego, California area prices
were up 2.6% from a year ago

Credit Risk Officer in Phoenix, AZ
Six years ago, it named Stephanie Jones as its chief risk officer.
December 24, 2019
Credit Risk Officer in Bellingham, WA
Monitoring and analysing risk exposure on a daily basis.
December 12, 2019
Credit Risk Officer in Cedar Falls, IA
Peter Valdez has joined Community First Guam Federal Credit Union as vice president and chief credit risk officer.
February 17, 2020