Sr. Credit Review Officer

Mechanics Bank is currently searching for a Sr. Credit Review Officer to join our team. Here at Mechanics Bank, we value connection, partnership, long term relationships and working together in person. This role will be working on-site in Roseville, Walnut Creek or Irvine, California.

Under the direction of the Credit Review Manager/Director, the Senior Credit Review Officer leads and executes credit reviews across various commercial and consumer lending portfolios, ensuring high standards of credit quality and compliance with internal policies and regulatory guidelines. This role provides strategic insights, mentors junior staff, and contributes to the development of credit review methodologies.

The Senior Credit Review Officer is required to have advanced understanding of credit underwriting, financial analysis, loan policies & procedures, credit risk ratings and collateral valuation. The Senior Credit Review Officer will share responsibility with teammates for meeting review completion deadlines in order to adhere to Credit Review’s annual plan and required portfolio coverage levels.

Mechanics Bank’s Credit Review function is located within the third line of defense, and Mechanics Bank is regulated by the Federal Deposit Insurance Corporation (FDIC).

What you will do:

• Lead credit review engagements, including planning, execution and reporting.

• Conduct detailed and independent comprehensive credit file reviews and continuous review activities on assigned portfolio segments using technical subject matter expertise and knowledge.

• Provide expert analysis and recommendations to Credit Review management, and share insight with the review team.

• Collaborate with the review team and lending units to clarify potential credit issues and provide feedback.

• Identify areas of risk and seek ways to assist the Bank in strengthening controls while mitigating risk.

• Demonstrate independent judgement in evaluating accuracy of financial analysis, loan credit quality, thoroughness of risk identification, appropriateness of loan structure, support of risk rating/credit decision, policy compliance and administrative completeness.

• Ensure credit reviews are performed in accordance with appropriate standards, policies and procedures, and that the quality of reviews is maintained.

• Review finding remediation support, including compiling exhibits evidencing remediation.

• Lead and perform special projects and thematic reviews as requested.

• Coach, mentor and/or educate other staff as needed. Other duties as directed.

Who you are:

• 4 Year / Bachelor's Degree in Business, Finance, Accounting, Economics or a related field preferred. ​

• Minimum of 10 years of experience in credit underwriting and lending required.

• Minimum of 10 years of experience with a Federal regulatory agency, or a state banking commission, with an emphasis in commercial and business underwriting, mortgage/consumer lending, credit administration and risk management is required.

• Experience with commercial credits in amounts up to $30 million.

• Special Assets Management experience preferred.

• Deep understanding of credit risk, regulatory requirements, and financial analysis.

• Strong analytical, technical and statistical skills – including the ability to collect & interpret data and draw conclusions.

• Strong process management and problem-solving skills.

• Awareness of control and risk management principles.

• Good interpersonal, verbal and written communication skills. Create internal peer relationships that support a culture of trust and partnership within the Bank.

• Ability to work in a team environment as well as the ability to work independently.

• Good organizational skills. Ability to manage high-volume workflow, prioritize appropriately and meet deadlines in a timely manner.

• Uphold confidentiality and privacy of findings in all situations.

• Computer skills, including Microsoft Office Suite, with advanced level proficiency with Excel.

• Experience working for a publicly traded company.

• Required: BAI Loan Review Certificate, or RMA/ProSight Credit Risk Certification (CRC), or Actively pursuing CRC certification.

• Travel required: 0-10%

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Pay Range: $85,000 - $130,000 annually

AIP/Bonus: Up to 15%

Our comprehensive employee benefits program is designed for you to live your best life at work, home, and everywhere in between. Employees working 25 hours or more per week are eligible for health benefits effective the first day of the month following or coinciding with their date of hire.
Benefits package includes[1]:

• Medical, prescription, dental, and vision coverage for employees and their eligible family members

• Employer paid Employee Assistance Program, Life Insurance, AD&D, and Disability benefits

• Health Savings Account with employer contribution

• Healthcare and Dependent Care Flexible Spending Accounts and Commuter/Parking Benefit

• 401(k) and Roth 401(k) with company contribution

• 529 Education Savings plan, Tuition Reimbursement Program and Student Loan Assistance Program

• Supplemental Health plans, Voluntary Legal and Identity Theft Services

• 11 paid holidays, paid Sick days (accrual of one hour for every 30 hours worked), up to 25 paid vacation days, and 16 hours of paid volunteer time throughout the calendar year

• Free personal checking and savings account; Discounted rates on primary residence loan with $0 origination fees (restrictions apply)

Final compensation package will be determined by the work experience, education, and/or skill level of the applicant along with internal equity and alignment with geographic market data.

• Mechanics Bank is an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, sex, sexual orientation, religion, national origin, age, genetic information, veteran status, or on the basis of disability, gender identity, sexual orientation or other bases prohibited by applicable law.

• Please view Equal Employment Opportunity Posters provided by OFCCP here.

• To learn more about Mechanics Bank’s California privacy and security policies, including your right to a Notice At Collection as a California Resident, please visit

  California Privacy Policy for Prospective Employees | Mechanics Bank

[1] The benefits listed in this job posting reflect the Bank’s most reasonable and genuinely expected benefits offered for this position.