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TIAA Risk Advisor in JACKSONVILLE, Florida

As a part of TIAA’s Financial Solutions business, TIAA Bank, a division of TIAA, FSB, provides full-service, nationwide banking and lending services to consumer, commercial and institutional clients through a variety of channels, including online, its Florida-based financial centers and at other business offices throughout the country.

Position Summary

The Risk Advisor is primarily responsible for providing high level support to assigned management in the form of due diligence and financial analysis of clients/applicants with $5,000,000 to $5,000,000,000+ of capital, underwriting support, cash flow analysis, projections, and risk identification. The position assists in other tasks to achieve the goals of the Bank with regard to sound counterparty and credit risk management and underwriting in compliance with policies and procedures.

Essential Functions

•Assist Director, Head of Correspondent Lending, and other staff with timely assessment of financial and quality/credit measurements for new client applications, annual recertification, and as client issues arise through the preparation and analysis of timely financial spreads, trend analysis, detailed quality control analysis, industry analysis, and identification of risks and mitigants for both new credits and renewal events.

•Review client performance monitoring via metrics and standards. Escalate unacceptable performance for remediation and additional analysis, where warranted. Operate within delegated authority to waive condition using judgment and understanding of risk and compensating factors.

•Maintain and update financial, tracking, and reporting systems of decisions and exceptions with necessary approval for due diligence file data, including any necessary justification and documentation that due diligence was performed.

•Provide presentations of decisions and exceptions to Executive Committee. Grow into facilitation role.

•Assist in compiling and distribution of various reports as requested by senior management and develop analysis to support escalated actions.

•Assist in analysis and process improvement initiatives within the line of business.

•Assist other department members with various tasks such as ordering property analysis reports, completing exceptions requests, and regulatory exam preparation.

•Attend regular credit training/mentoring sessions and support committee meetings with area credit partners. Represent the channel during monthly meetings on loan quality matters.

•Train and mentor department staff to further strengthen credit/counterparty risk skills of the group and build industry knowledge.

•Join sales team and client on requested customer calls and follow up with client’s Certified Public Accountant (CPA) or Chief Financial Officer (CFO) to clarify information needed for decision, underwriting, and analysis.

•Create and maintain risk assessment matrix and related tools. Maintain department and client-facing policies and procedures.

Knowledge, Skills, and Abilities

•Strong financial analysis skills with ability to provide proactive risk assessments and recommendations to management.

•Working knowledge of Office of the Comptroller of the Currency (OCC) categories of risk and risk management principles and practices.

•Experience reviewing and interpreting tax returns, financial statements and resulting ratios and key performance indicators for both companies and individuals.

•Highly experienced with both personal and business financial spreads, covenant calculations using software such as Baker Hill, FisCal, or Moody’s Risk Analyst.

•Ability to develop accurate reports in EXCEL for details data provided from loan origination systems. Advanced analysis skills via EXCEL and corporate reporting.

•Work directly with Corporate IT to design, develop, and test report including all changes to implement into production

•Ability to complete assigned tasks quickly and accurately.

•Must have clear and articulate verbal and written communication skills. Ability to communicate with senior leadership.

•Must be able to work independently or with others to provide high quality customer service and meet deadlines with both internal and external customers.

•Microsoft Office proficiency

•Advanced Microsoft EXCEL skills


•Bachelor’s degree

•4 years financial, vendor or risk management, credit analysis, and/or underwriting experience

•Bachelor’s degree in Accounting or Finance-related field of study, preferred

•Statistics background or degree, preferred

•Industry, finance, and/or Six Sigma certifications, preferred

•CPA designation, preferred

•Familiarity with spreading software for financial analysis, preferred

•Commercial credit decisioning, preferred

•LOS and/or servicing systems knowledge, preferred

Equal Employment Opportunity is not just the law, it’s our commitment. Read more about the.

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We are an Equal Opportunity/Affirmative Action Employer. We will consider all qualified applicants for employment regardless of age, race, color, national origin, sex, religion, veteran status, disability, sexual orientation, gender identity, or any other legally protected status.

Additional Information

  • Requisition ID: 1720996

Field: Mortgage & Commercial Lending

Company: TIAA Bank

Post Date: Aug 12, 2019