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Senior Credit Risk Review Advisor- Commercial Lending
Job Description
Senior Credit Risk Review Advisor – (Commercial Lending)
Could be based out of any of the following U.S. locations:
Birmingham, AL, Raleigh, NC, Philadelphia, PA, Pittsburgh, PA, or Cleveland, OH
Hybrid schedule: 3 days in-office / 2 days remote
Salary: $80K - $150K
Experience Level: 10+ years
Education: Bachelor’s degree required
Travel: Occasional
Birmingham, AL, Raleigh, NC, Philadelphia, PA, Pittsburgh, PA, or Cleveland, OH
Hybrid schedule: 3 days in-office / 2 days remote
Salary: $80K - $150K
Experience Level: 10+ years
Education: Bachelor’s degree required
Travel: Occasional
Position Summary
The Senior Credit Risk Review Advisor – Commercial Lending is responsible for conducting independent assessments of commercial credit exposures across multiple business segments to support enterprise-wide credit risk oversight. This role focuses on reviewing existing commercial loan portfolios, evaluating underwriting quality, validating risk ratings, and assessing overall credit risk management practices.
Candidates should have strong experience in commercial lending, complex credit structures, and credit risk management. As a Reviewer in Charge, you’ll lead review engagements, oversee review teams, perform portfolio analyses, identify risk trends or weaknesses, and deliver clear reporting and recommendations to senior management.
Key Responsibilities
- Execute detailed assessments of complex commercial credit transactions, credit facility structures, and underwriting practices.
- Review existing commercial loan portfolios to evaluate credit quality, policy adherence, and overall risk management effectiveness.
- Validate risk ratings and assess borrower credit administration against internal credit policies and procedures.
- Analyze portfolio trends to identify risk concentrations, emerging risks, and systemic credit issues.
- Serve as Reviewer in Charge, overseeing the execution, coordination, and quality of review engagements.
- Draft and finalize review reports, summarize findings, and provide recommendations for issue remediation and process improvement.
- Engage with stakeholders and business leaders to communicate review outcomes and follow up on identified findings.
- Provide expert insight into economic conditions, industry trends, and key drivers impacting commercial credit portfolios.
- Participate in ongoing portfolio monitoring activities across commercial lending segments.
Qualifications
- 10+ years of experience in Commercial Credit Risk, Credit Risk Review, or Commercial Credit Underwriting preferred.
- Experience with large and complex commercial transactions within Commercial Banking, CRE, Corporate Banking, Leveraged Lending, Middle Market, or related lending environments.
- Strong understanding of commercial credit structures and complex borrower relationships, including average deal sizes of approximately $50MM+.
- Experience reviewing and evaluating underwriting decisions rather than originating or underwriting loans directly is highly preferred.
- Familiarity working within large financial institutions (approximately $80B+ in assets preferred).
- Strong analytical, verbal, and written communication skills, including the ability to navigate challenging conversations with stakeholders and senior leadership.
- Demonstrated experience leading review initiatives, coordinating teams, and managing review engagements.
- Experience with Commercial & Industrial (C&I), Commercial Real Estate (CRE), and/or Asset-Based Lending (ABL) portfolios is strongly preferred.
- Credit training, SNIC certifications, CRE experience, or related Credit Risk Review certifications are a plus.
- Candidates must be authorized to work in the U.S.; visa sponsorship is not available.
- Compliance with federal banking regulations and internal governance standards is required.
Sirius Staffing Inc. is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to characteristics such as race, color, national origin, religion, gender, age, marital status, disability, veteran status, citizenship status, sexual orientation, gender identity, or any other status protected by law.
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