Home > Birmingham jobs > Birmingham accounting/financial

Posted: Tuesday, February 6, 2018 11:32 PM

At BBVA, we are working to make banking better for everyone. That is where you come in. We are looking for smart, team oriented people who want to be part of a first-class workforce that gives people the tools they need to meet their financial goals, all while delivering an outstanding client experience. Learn more below.
FUNCTION: Effectively review complex consumer (retail) credits in the bank s loan portfolio for quality, adequacy of compliance with Bank Loan Policy, completeness of credit file documentation and quality of underwriting. Monitor assigned portfolios for changes in performance trends and possible risk factors. Attend credit risk management meetings and maintain effective communications with consumer credit lines of business, support areas and risk management leaders.
1. Collaborate with the CQR Loan Review Managers to incorporate portfolio analytics in every review report.
1. Responsible for working with the CQR Portfolio Analytics Manager to perform monthly analysis of existing Consumer Risk Management Reports to determine if portfolio trends may indicate weaknesses or deterioration and that the risk management reports are accurately identifying such trends.
1. Demonstrated ability to design and generate accurate and meaningful reports from internal and externally sourced electronic or physical data.
1. Must be able to effectively access loans systems and bank databases to gather the required credit risk data in order to develop meaningful analysis and reporting that enhance Credit Quality Review s results
1. Understand the bank s credit loan policies, procedures and processes.
1. Perform comprehensive reviews of the various products in the bank s retail loan portfolio. Identify any patterns of concern during the course of the review process and develop conclusions to report results of analysis performed. Conclude over the credit quality of the portfolios reviewed.
1. Understand the retail business banking loan portfolio, evaluate the adequacy of collateral file documentation and the effectiveness of loan servicing including monitoring compliance with loan agreements and financial covenants. Assess the adequacy of real estate appraisals and account officer appraisal review check lists. Effectively communicate the reasons for the results of test work and of analytical and trend analysis. Provide ongoing effective communication with line of business and risk management personnel.
1. Responsible for assisting in preparing Consumer Loan Review Quarterly Reports. Accuracy and effective written communication skills are expected and required. Participate in the scheduling of pending portfolio reviews. Effectively perform continuous monitoring of assigned consumer & retail business banking loan portfolios.
1. Provide significant contributions towards the successful completion of due diligence reviews. The level of productivity should be solid with accurate grades assigned to credits reviewed. The adequacy of collateral documentation should be accurately assessed.
1. Conduct special projects as needed by the Credit Quality Review Group.
+ A bachelor s degree is required. A major in Business Administration, Finance, Accounting, MIS or related field is preferred. Professional designation such as CPA, CIA, CISA etc. a plus.
+ MS Office Suite proficiency (Excel, Word, Powerpoint, Access).
+ Proficiency using DBMS query tools and report writers such as SAS, Python (programming), Business Objects, Crystal Reports, and/or Access with knowledge in query methodologies relating to relational and dimensional data structures. A strong aptitude for data and troubleshooting is a key success factor.
+ Ability to conduct research on mainframe based accounting systems such as General Ledger Applications.
+ Knowledgeable in consumer risk management, loan accounting, loan underwriting, and segment marketing strategies preferred.
+ Project management skills a plus.
+ Three to five or more years experience in internal audit, loan review, credit administration or risk management, or related banking functions.
**Job ID** _2017-109740_
**Category** _CORPORATE RISK_
**Work Location** _US-AL-BIRMINGHAM_
**FLSA Status** _EXEMPT_
**Type** _FULL TIME_
**EOE Statement** _Equal Opportunity Employer - Minority/Female/Disability/Veterans._
Associated topics: banking product, banking service, commercial loan, customer, loan officer, loan originator, loan underwriter, officer, representative, sell


• Location: Birmingham

• Post ID: 29098797 birmingham is an interactive computer service that enables access by multiple users and should not be treated as the publisher or speaker of any information provided by another information content provider. © 2018