Ability to recognize deviations from policies, procedures and/or guidelines, determine materiality and prepare clear, well-supported review observations / findings, which enable the Examiner in Charge (EIC) to aggregate and potentially identify systematic gaps and enhancement opportunities in credit risk management practice, policies and procedures; Ensure that the review results are adequately documented and the conclusions reached are sufficiently supported so that work papers are complete and self-explanatory to an equally-qualified credit reviewer, internal and external auditors; Be knowledgeable of IAR policies and procedures; Be knowledgeable of the Bank's loan products and applicable lending policies, procedures, guidelines and practices; Be knowledgeable of federal and state banking regulations related to credit risk management and governance; If assigned, perform continuous monitoring of product-based portfolios and provide quarterly assessments to support early-identification of emerging risks; Maintain deep knowledge of assigned portfolios, industries and risk trends; Understand the importance of building rapport with Relationship Managers and their teams, and other departments of the Bank in order to conduct asset reviews in a professional and efficient manner with minimal disruption to the Bank's operations; May perform other duties as assigned. Evaluate borrower credit conditions through the assessment of financial performance, assess and validate the accuracy of risk ratings; Evaluate quality of risk assessment (credit approval documents) performed by the front lines and assess compliance of credit decisions within internal lending policies, procedures, and regulatory requirements; Evaluate the effectiveness of credit risk monitoring process including covenants, triggers and ongoing oversight of credits reviewed; Evaluate adequacy and completeness of third-party collateral reports, loan documents and collateral documents (e.g.