Loan Review Officer

Poste et missions Natixis is searching for a vp- or director-level Loan Review Officer to join the New York team to help support the Managing Director and other team members in our various credit examination activities and reporting needs.
This position is an opportunity to expand fundamental risk knowledge about multiple lending sectors and types of transactions, contribute to the evolving loan review framework, as well as understand Natixis’s strategy and fit into Group BPCE.
Loan Review’s mandate covers credit and related trading and/or derivative exposures to the various Front Office business units and Credit Risk Management in Global Markets, Investment Banking, and Distribution and Portfolio Management.
Loan Review performs comprehensive assessments of Natixis’ credit risk, reporting on the quality of risk and the effectiveness of the bank’s risk management practices, adherence to policy and procedures, as well as compliance with regulatory guidance and application of market best practices.
The Loan Review function is an independent 3rd line control function that reports to the Head of Audit for the Americas, who in turns reports to the Natixis Chief Audit Officer in Head Office in Paris, France.
The salary range for this position will be between $140,000 - $215,000.
Natixis is required by law to include a reasonable estimate of the compensation range for this role.
Actual base salary will vary and will be based on several factors including, but not limited to, relevant experience, education, skills set, applicable licensure and certifications, and other business and organizational needs.
Base salary is only one component of our total rewards package.
Natixis also offers a generous benefits package, and you may be eligible for a discretionary incentive award depending on company and individual performance.
His/her/their primary responsibility will be to review all types of loan transactions to assure acceptable credit standards and lending activities that conform to the Natixis credit policy and standard procedures.
As a team effort, credits or processes should be reviewed based on experience and assistance of other Loan Review staff.
Responsibilities include the following, at a minimum: Conduct a systematic review of credit portfolios to determine credit and loan performance, and adequacy of documentation.
Analyze the quality of credit risk analysis performed by participants to the credit approval process (Front Office, Credit Risk).
Assess the current risk of credits analyzed and validate recommended ratings.
Propose and drive improvements to underwriting, portfolio management, and the credit approval process.
Prepare Credit Assessment and Review reports and/or Loan Review reports.
Remain current on developments in assigned sectors and contribute to the department’s continuous monitoring activities.
Participate in various meetings with Executive Management, Regulators, and at times, Paris Head Office.
Provide direction and mentor other loan review professionals on the team.
Work on ad hoc projects, as requested.
Complete at least 40 hours of training a year (seminars, webcasts) to enhance knowledge in specific sectors and areas of finance.
Profil et compétences requises Bachelor’s degree from an accredited university/college.
9+ year’s credit experience required, either as part of the Front Office, Credit Risk, or Loan Review.
Strong credit knowledge in some of the following lending activities: Aviation, Commodities, Energy, Leveraged Finance, Project Finance, Real Estate, or Securitization.
Experience in Latin American credits is a plus.
Strong ability to interact with the Front Office and Credit Risk professionals, as well as effectively interact with regulators.
While not required, experience as a regulator is a plus.
Effective verbal and interpersonal skills.
Skillful written communication, the ability to convey thoughts clearly and succinctly and to communicate information in a clear and organized manner.
Accounting knowledge (coursework or practical experience) is a plus Knowledge of loan documentation fundamentals.
Strong working knowledge and proficiency in MS Word, Excel, & PowerPoint.