Officer Qualifications -  Officer - Advisory/Operations:

• Bachelor's degree or equivalent in Business, Economics, Accounting or its equivalent with 2-5 years of related experience
• PC skills: spreadsheets, ACCESS, and word-processing 
• Good oral and written communication 
• Supervisory experience or training
• Good understanding of the job function and understanding of the coordination with other functions
• Contributes to the planning and carrying out cost savings initiatives
• Responsible expenditure of bank resources
• Understands the importance of compliance issues in the execution of daily activities
• Ensures compliance in daily work and may be responsible for training subordinates

Duties and Responsibilities:

• Performs independent loan reviews to evaluate the creditworthiness of the obligor and/or credit facility and to assign a risk rating to provide an independent periodic and objective assessment of the underlying credit by analyzing financial statements and other external data obtained from external sources
• Assist with the development of the quantitative analysis to assess credit risk at the portfolio level for the bank
• Consult with other areas in the development and maintenance of quantitative analysis processes
• Maintain an advanced-level understanding of credit risk policies/requirements, regulatory expectations and contribute to improving effectiveness and efficiency of the credit risk analysis processes/methodologies
• Perform ad hoc risk analyses as needed by management
• Performs other duties and responsibilities as assigned by management

Knowledge/Skills:

• Undergraduate degree in Finance, Business, Economics, or a related discipline
• MBA / CFA candidate / CFA charter holder / FRM certificate holder is desirable
• 5+ years experience in the Banking industry with at least three years in Credit Risk Analysis or review
• Knowledge of financial statement analysis
• Good understanding of other risk areas such as Market Risk and Operations Risk
• Hands on experience with Excel and other analysis tools
• Strong problem solving and multi-tasking skills
• Must have good written & oral communication skills
• Demonstrated ability to interact with a variety of management levels and to easily shift between a detailed and a big picture focus
• A team player and ability to cooperatively work with other areas of the bank