CIBC

  • Retail Credit Risk Portfolio Specialist

    Job Location US-IL-Chicago
    Posted Date 3 months ago(9/5/2018 10:11 AM)
    ID
    2018-4760
    # of Openings
    1
  • Responsibilities

    • Work closely with our Loan Officers/Bankers to ensure a timely and accurate experience for our customers throughout the entire loan process
    • Act as liaison and maintaining communication between originator and all parties involved in the transaction.
    • Strong understanding of Consumer laws/regulations and credit evaluation processes.
    • Manage multiple priorities in an organized manner to meet set deadlines.  Reassesses if higher need arises.  Copes well with demands of the job and manages time efficiently.
    • Exercises judgment and applies prudent risk mitigation principles.
    • Focuses on customers.  Knows and cares about internal and external customers.  Works as a team to deliver excellent service and meet/exceed expectations.
    • Understands the complexities and key factors that impact the retail lending business.
    • Review initial loan submission and work with loan officer/banker to gather needed documentation.
    • Responsible for ensuring all loan documentation is complete, accurate, verified and complies with company guidelines/policies.
    • Demonstrated credit and financial analysis skills.
    • Demonstrated communication skills both verbal and written.
    • Ability to multi-task with strong attention to detail and business priorities while meeting deadlines in a fast-paced environment.
    • Ability to assert ideas.
    • Excellent problem solving skills using creativity and innovation.
    • Understands how and when to escalate potential concerns to appropriate area(s) for further evaluation. 
    • Ability to research, communicate and clear open title issues with other professionals, county clerks and title companies
    • Work closely with team to provide support for all credit risk analysis related tasks including loan opening, processing and pre-close for all consumer loans/lines held in Portfolio.
    • Work closely with management to assist in any department special projects and/or testing initiatives as needed
    • Positron reports under Consumer Lending Fulfillment Department. 

    Qualifications

    • Degree in related field and/or relevant professional experience
    • Minimum 5-years work experience in the retail lending industry
    • Strong attention to detail and accuracy
    • Enhanced knowledge of the loan life cycle including but not limited to loan application, processing, underwriting, appraisal evaluation, closing and servicing.
    • Strong knowledge of consumer protection laws, government and agency regulations and associated terminology.
    • Basic understanding of credit evaluation procedures and processes
    • Proficient use of Microsoft Office tools specifically Word and Excel
    • Experience with loan origination software, such as Encompass and/or CRIF ACTion LOS knowledge a plus
    • Experience with loan servicing systems, such as FIS/Metavante knowledge a plus.

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