Job Description

Job Title: Credit Risk Reviewer / Credit Risk Specialist

Location: Jersey City, NJ

Duration: 3 Months

The primary role of Credit Risk Review is to:

• Promptly identify loans with actual and potential credit weaknesses.
• Validate and, if necessary, adjust credit risk ratings.
• Assess the adequacy of (and adherence to) internal credit policies and loan administration procedures and compliance with applicable laws and regulations.
• Participating in reviews of credit and counterparty risk across the CIB platform to detect and report on potential weaknesses in the credit approval and monitoring process. Results of reviews, including recommendations for improvement, are documented in written reports to senior management.
• Portfolios covered include Corporate Banking, Project Finance, Media & Telecom, Leveraged Finance, Asset Securitization, Hedge Funds, Insurance, Banks, and Broker/Dealers.
• Acquiring a solid understanding of the reviewed activities and specific industry risks.
• Assessing adequacy and effectiveness of governance, management, and controls of credit risk.
• Performing in-depth reviews of individual credits to assess credit quality and validate the accuracy of the assigned counterparty risk ratings and loss given default rates and recommending changes, as necessary.
• Evaluating the appropriateness of the level of provisions for impaired credits. Assessment of provisions involves challenging assumptions and re-performing discounted cash flow analysis, if warranted
• Assessing conformity of legal documentation and quality of supporting security (collateral).
• Adding value to the area under review by raising relevant recommendations.
• Writing quality reports with appropriate recommendations in plain English.
• Delivering clear presentations to management.

Minimum Required Qualifications:

• Bachelor’s degree in Accounting or Finance
• MBA or CPA (or equivalent) or CFA a plus.
• 5 to 10 years financial services work experience in credit extension, underwriting, review, or analysis.
• Strong credit analysis skills with a solid understanding of the credit process and control. Knowledge of leveraged lending and the regulatory guidance thereon would be a strong plus.
• Strong MS Excel and PowerPoint skills
• Must be comfortable discussing findings and making recommendations with the appropriate balance of tact and professional assertion. Audience includes all levels members of management, including senior management.

Preferred Qualifications:

• A mix of credit review, risk department and origination experience would be ideal, but significant experience in one of these areas will also be considered.

About US Tech Solutions:

US Tech Solutions is a global staff augmentation firm providing a wide range of talent on-demand and total workforce solutions. To know more about US Tech Solutions, please visit

US Tech Solutions is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, colour, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

Recruiter Name: Dhruv Mehta

Designation: Sr. Recruiter

Job Id: 25-37375

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