Credit Review Officer II

This position can be located at Bend, OR; Coeur d'Alene and Boise, ID; Omaha, NE; Sioux Falls, SD, Spokane, WA, Missoula and Billings, MT.

What's Important to You
We know your career is just one aspect of a meaningful, complex, and demanding life. That's why we designed our compensation and benefits package to provide employees and their families with as much choice as possible.

• Generous Paid Time Off (PTO) in addition to paid federal holidays.
• Student debt employer repayment program.
• 401(k) retirement plan with a 6% match.
• The health and happiness of the places we call home matter to us. Learn a little more about what we do for the communities we serve and why we want YOU to be a part of it.

We encourage you to apply. Reach for what you want and tell us why your work ethic and willingness to learn make you a natural fit for #TeamFirstInterstate.

SUMMARY
The Credit Review Officer II leads and conducts complex evaluations of credit risk across various departments, markets, regions, and unique loan scenarios, ensuring compliance with departmental and professional standards. This position oversees and executes comprehensive credit review procedures, prepares accurate and well-documented reports, and effectively communicates findings and recommendations for corrective actions to management.

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Provides project leadership, general guidance, and mentoring to other team members.
• Manages multiple concurrent credit reviews and projects.
• Serves as the Examiner-in-Charge (EIC) for credit examinations with outstandings up to $2B, leading reviews as the principal examiner.
• Plans, conducts, and/or leads complex credit risk reviews across various departments, markets, regions, and unique loan scenarios, in accordance with departmental and professional standards.
• Performs and/or oversees credit risk reviews to identify risks, evaluate the effectiveness of internal controls, and assess compliance with policies, procedures, laws, and regulations.
• Prepares concise, well-organized working papers that accurately reflect the results of credit reviews.
• Evaluates work prepared by other team members to ensure sound loan review practices and compliance with departmental and professional standards.
• Ensures timely and budget-compliant completion of assigned Credit Review tasks.
• Drafts reports summarizing the results of credit risk reviews.
• Conducts exit meetings with Regional Presidents and Executive Leadership to discuss findings and recommend corrective actions to address deficiencies and mitigate risk.
• Follows up with management to ensure appropriate resolution of Credit Review findings.
• Provides ongoing guidance and mentorship to team members.
• Maintains open communication with Credit Review clients throughout the review process regarding procedures, progress, and potential findings.
• Assists with the coordination and completion of external regulatory and third-party examinations.
• Stays informed of significant changes and emerging issues in the banking industry related to credit risk and regulatory requirements.
• Completes required compliance training and other relevant training related to Credit Review, compliance, and business skills.
• Performs other duties or special projects as assigned to support overall company objectives.
• Assists the Credit Review Team Manager with Credit Review planning and the quarterly risk assessment process.

QUALIFICATIONS
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

KNOWLEDGE, SKILLS AND ABILITIES

• Demonstrates strong verbal and written communication skills.
• Able to work independently and collaboratively within a team environment.
• Exhibits analytical thinking, sound decision-making, and effective problem-solving abilities.
• Proficient in Microsoft Office applications (Word, Excel, Outlook, PowerPoint) and various banking systems.

EDUCATION AND/OR EXPERIENCE

• Bachelor's Degree in a related field required
• 4-6 years experience in credit review, commercial lending, credit department, and/or equivalent combination of education and experience required
• Banking and/or financial services experience preferred

PHYSICAL DEMANDS AND WORKING ENVIRONMENT
The physical demands and work environment are representative of those that must be met or encountered to successfully perform the essential functions of the job. In compliance with the Americans with Disabilities Act, the company provides reasonable accommodation to qualified individuals with disabilities and encourages both prospective and current employees to discuss potential accommodations with the employer.

• Dexterity of hands/fingers to operate computer keyboard and mouse - Frequently
• Sitting - Frequently
• Standing - Occasionally
• Noise Level - Moderate
• Typical Work hours - M-F (8-5)
• Regular and Predictable Attendance - Required
• Travel as needed - 5%

COMPENSATION & BENEFITS

We offer a competitive total compensation package including base salary and benefits. The anticipated pay range for this position is $91,300 to $150,700 per year in WA and depends on a variety of non-discriminatory factors including, but not limited to, job-related knowledge, skills and experience, education, and geographic location. Additionally, this role is eligible to receive annual discretionary cash bonuses. Benefits available for this position include, but are not limited to, medical, dental, vision, short-term and long-term disability benefits and life insurance, flexible spending accounts, health savings account, employee assistance program, 401(k), Paid Time Off (new hires accrue at .069 per hours worked which equates to approximately 18 days per year inclusive of paid sick time) and up to 11 paid Federal holidays. For more information regarding our benefits, please visit https://www.firstinterstatebank.com/company/about/employee-benefits.php.