Credit Review Audit Associate

Role Overview: You will be joining the Credit Review group within Internal Audit as an experienced credit risk professional. In this role, you will have the opportunity to interact with senior executives across the firm, providing exposure beyond Internal Audit. Key Responsibilities: - Assist in conducting periodic credit reviews by analyzing the credit underwriting quality of individual and automated transactions, documenting test results, and actively participating in review meetings. - Continuously monitor assigned portfolios to assess credit risk trends, credit performance, industry events, and regulatory changes for emerging themes impacting credit quality. - Develop and maintain relationships with senior leaders and stakeholders while upholding independence. - Apply firmwide risk policy, credit procedures, and Credit Review policies consistently. - Communicate complex issues effectively through verbal and written communication and interpersonal skills, with the ability to present to management. - Foster a business climate promoting integrity, respect, excellence, and innovation. Qualifications Required: - Minimum 7+ years of retail credit experience, with expertise in credit underwriting, quality control, quality assurance, or credit risk management. - Bachelor's degree in accounting, Finance, Economics, or a related field. - Knowledge of Auto Finance, Business Banking, Card Services, Mortgage Lending, or similar underwriting principles. - Understanding of credit risk management, retail credit principles, financial analysis, and advanced analytical skills. - Excellent verbal and written communication and interpersonal skills to effectively communicate complex and sensitive issues to management. Additional Company Details (if available): The company values individuals who are enthusiastic, self-motivated, effective in a dynamic environment, and willing to take personal risks and be accountable. They seek candidates who can learn quickly, adapt to change, think strategically while managing multiple tasks with urgency, and work well both individually and in teams. Proficiency with analytics tools like databases, Tableau, and data visualization applications is preferred, along with previous Credit Review experience and a background with a U.S. banking institution. An MBA or Chartered Accountant qualification with a retail credit background is also desirable but not mandatory.,