Credit Review Officer I

This position can be located at Bend, OR; Boise, ID; Omaha, NE; Sioux Falls, SD 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 I conducts moderately complex evaluations of credit risk across various departments, markets, regions, and unique loan scenarios, ensuring adherence to departmental and professional standards. This position executes comprehensive credit review procedures, prepares accurate and well-documented reports, and effectively communicates findings and recommendations to management.

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Serves as the Examiner-in-Charge (EIC) for credit examinations with outstandings up to $1B, leading reviews as the principal examiner.
• Plans, conducts, and/or leads moderately complex credit risk reviews across various departments, markets, regions, and unique loan scenarios, in accordance with departmental and professional standards.
• Performs 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.
• Participates in exit meetings with department management 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.
• Leads team members on assigned credit reviews or projects.
• 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 in completing 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 as well as 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
• 1-3 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
• Local and in-state travel, and occasional out-of-state travel, may be required. Must possess a valid driver's license.