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Job Description

As Loan Review Director and Reviewer in Charge, oversee the Raymond James Financial (“RJF”) Loan Review function for TriState Capital Bank (“TSCB”). TSCB is a wholly owned banking subsidiary of RJF. As Director, lead and manage independent reviews and appraisals of TSCB’s Reviewable Entities’ loan portfolios and related risk management activities. The individual will be responsible for conducting a credit risk assessment of TSCB’s reviewable entity’s loan portfolios that consists of Commercial Lending (Commercial Real Estate loans and C&I loans), Private Bank Lending, and Shared National Credits (“SNC”). Working alongside the RJF Head of Loan Review, manage workflow for a team of reviewers, ensure bank examinations are completed relative to plan, and exam fieldwork is accurate.

Each loan under review will be evaluated for adherence to TSCB’s credit underwriting standards, policies, procedures, guidelines and regulatory requirements, including completeness of documentation/files.

The preferred location for this role is TSCB headquarters in Pittsburgh, PA.

Essential Duties and Responsibilities

• Working alongside the RJF Head of Loan Review, manage workflow for a team of reviewers, ensure bank examinations are completed relative to plan, and exam fieldwork is accurate.

• Present in relevant meetings to senior leadership, as necessary.

• Conduct and oversee Quality Control process to ensure process and fieldwork abides by Loan Review policies and regulatory guidelines.

• Develop quantitative analysis to assess credit risk at the portfolio level; formulate the loan review plan for the year based on findings.

• Perform independent loan reviews to evaluate the creditworthiness of the borrower.

• Analyze financial statements and other required data provided in the credit file to ensure that risk rating is appropriate and upgrades/downgrades are done in a timely manner in line with banks policies/procedures and regulatory requirements.

• Discuss all noted deficiencies and identified weaknesses, and any existing or planned corrective actions, including timeframes for correction, with appropriate loan officers and managers.

• Prepare reports summarizing portfolio quality and risk issues with recommended corrective action.

• Track corrective action of noted weaknesses until resolved/validated and report to Senior Management and the Risk Committee.

• Maintain a level of understanding of credit risk policies/requirements, regulatory expectations and contribute to improving effectiveness and efficiency of the credit risk analysis processes/methodologies.

• Liaise with external auditors and regulators, as necessary.

Knowledge, Skills, and Abilities

• Previous experience managing associates, presenting to senior leadership, and overseeing the execution of key management directives.

• Strong credit skills along with experience in Commercial Real Estate lending and/or Retail lending (Residential Mortgages, Securities Based Loans and/or Structured loans), and/or C&I lending. Middle Market lending experience is a plus (not required).

• Financial statement analysis including comprehensive understanding of balance sheet, income statement and cash flow drivers impacting critical credit risk metrics.

• Strong data analytics skills and experience with advanced excel functions, such as creating financial models, pivot tables, and data visualization. Proficiency in data visualization platforms such as Qlik is a plus (not required).

• Experience in evaluating or assigning risk ratings.

• Knowledge of regulatory definitions and classifications of loans.

• Experience working with distressed debt and troubled assets.

• Working knowledge of lending practices, policies, procedures, disclosures and terminology related to banking laws, regulatory requirements and legal documents.

• Well-developed interpersonal and written/verbal communication skills demonstrating the ability to communicate effectively, clearly and persuasively in a variety of settings, formats and audiences.

• Strong planning, organizational, time management and follow up skills, demonstrating a strong sense of urgency and ability to execute quickly, timely and efficiently.

• Ability to multi-task and decide key priorities with confidence, motivation, decisiveness and flexibility.

• Demonstrated ability to collaborate, influence and manage competing priorities across the organization.

Educational/Previous Experience Requirements

• Bachelor’s degree in Business, Economics, Accounting or Finance with at least five (5) years of experience in CRE or C&I lending, credit/loan review and/or similar position requiring strong business knowledge and credit judgment.

Travel: Limited

• The preferred location for this role is TSCB headquarters in Pittsburgh, PA

• Limited travel will be required, as needed.

Education

Work Experience

General Experience - More than 15 years

Certifications

Travel

Workstyle

Resident

At Raymond James our associates use five guiding behaviors (Develop, Collaborate, Decide, Deliver, Improve) to deliver on the firm's core values of client-first, integrity, independence and a conservative, long-term view.

We expect our associates at all levels to:

• Grow professionally and inspire others to do the same

• Work with and through others to achieve desired outcomes

• Make prompt, pragmatic choices and act with the client in mind

• Take ownership and hold themselves and others accountable for delivering results that matter

• Contribute to the continuous evolution of the firm

At Raymond James – as part of our people-first culture, we honor, value, and respect the uniqueness, experiences, and backgrounds of all of our Associates. When associates bring their best authentic selves, our organization, clients, and communities thrive. The Company is an equal opportunity employer and makes all employment decisions on the basis of merit and business needs.