Job Summary

Lead independent reviews and appraisals of the Bank's Reviewable Entities' loan portfolios and related risk management activities. The individual will be responsible in conducting a credit risk assessment for one or more of the bank's reviewable entity's loan portfolios that consists of Commercial Real Estate Loans/REITs, Retail loans that include Residential Mortgages, Securities Based lending and Structured loans and Shared National Credits ("SNC"). This will include a review of loans based on risk assessment findings as part of the Bank's continuous monitoring program. Each loan under review will be evaluated for adherence to the Bank's credit underwriting standards, policies, procedures, guidelines and regulatory requirements, including completeness of documentation/files.

Essential Duties and Responsibilities

• Develop quantitative analysis to assess credit risk at the portfolio level; formulate the loan review plan for the year based on findings.

• Perform independent loan reviews to evaluate the creditworthiness of the borrower.

• Analyze financial statements and other required data provided in the credit file to ensure that risk rating is appropriate and upgrades/downgrades are done in a timely manner in line with banks policies/procedures and regulatory requirements.

• Discuss all noted deficiencies and identified weaknesses, and any existing or planned corrective actions, including timeframes for correction, with appropriate loan officers and managers.

• Prepare reports summarizing portfolio quality and risk issues with recommended corrective action.

• Track corrective action of noted weaknesses until resolved/validated and report to Senior Management and the Audit and Risk Committee.

• Maintain a level of understanding of credit risk policies/requirements, regulatory expectations and contribute to improving effectiveness and efficiency of the credit risk analysis processes/methodologies.

• Liaise with external auditors and regulators, as necessary.

Qualifications:

Knowledge, Skills, and Abilities

• Strong credit skills along with experience in Commercial Real Estate.

• Financial statement analysis including comprehensive understanding of balance sheet, income statement and cash flow drivers impacting critical credit risk metrics.

• Experience in evaluating or assigning risk ratings.

• Knowledge of regulatory definitions and classifications of loans.

• Experience working with distressed debt and troubled assets.

• Working knowledge of lending practices, policies, procedures, disclosures and terminology related to banking laws, regulatory requirements and legal documents.

• Well-developed interpersonal and written/verbal communication skills demonstrating the ability to communicate effectively, clearly and persuasively in a variety of settings, formats and audiences.

• Strong planning, organizational, time management and follow up skills, demonstrating a strong sense of urgency and ability to execute quickly, timely and efficiently.

• Ability to multi-task and decide key priorities with confidence, motivation, decisiveness and flexibility.

• Demonstrated ability to collaborate, influence and manage competing priorities across the organization.

Educational/Previous Experience Requirement

Education/Previous Experience

• Bachelor's degree in Business, Economics, Accounting or Finance with at least eight (8) years of experience in CRE lending, credit/loan review and/or similar position requiring strong business knowledge and credit judgment.

• OR ~

• An equivalent combination of education, training or experience as approved by Human Resources.

Licenses/Certifications

• None required.

Raymond James Guiding Behaviors

At Raymond James our associates use five guiding behaviors (Develop, Collaborate, Decide, Deliver, Improve) to deliver on the firm's core values of client-first, integrity, independence and a conservative, long-term view.

We expect our associates at all levels to:

• Grow professionally and inspire others to do the same

• Work with and through others to achieve desired outcome

• Make prompt, pragmatic choices and act with the client in mind

• Take ownership and hold themselves and others accountable for delivering results that matter

• Contribute to the continuous evolution of the firm