Credit Risk Data Science Jobs in Houston, TX (NOW HIRING)

Take the next step toward your new career today!
Become a part of the diverse and inclusive team within our nationally recognized award-winning Bank that is one of the strongest in the nation. Woodforest National Bank is privately owned, and our Employee Stock Ownership Plan is the largest shareholder. We focus on building relationships and discovering opportunities to better serve our communities and understand the financial needs of every customer we serve.

At Woodforest we care and prove it by volunteering with local charities and foodbanks to give back to the communities we serve. By joining Woodforest you will become a part of one of the largest employee-owned banks in the country!
The Environmental Risk Manager's primary responsibility will be the assessment of environmental standards, emerging environmental risks, and regulations that impact the bank's real estate collateral. This position will assist in the adherence to bank policy and applicable regulations to evaluate environmental credit risk; and provide guidance and recommendations to lending staff.
Key Responsibilities:
  Selection and Ordering of Environmental Due Diligence Reports and Reviews.
- Identify appropriate environmental, property condition, or seismic report type and scope dependent upon the property type and transaction value

- Solicit bids requests to vendors and obtain approval from relationship managers to engage.
- Responsible for tracking all reports in process including ongoing contact with relationship managers and vendors.
- Coordinate with relationship managers any delays or environmental concerns that may arise.
  Preparation of timely reviews and recommendations.
- Review and analyze environmental reports for accuracy, compliance, quality and reasonableness; resolve any concerns with vendor.
- Evaluate any environmental risks identified within the environmental due diligence reports with the recommendations.
- Perform independent research from available sources to supplement the information and environmental condition associated with the collateral

- Formulate independent conclusions regarding the identified risk and prepare written memoranda of findings and risk mitigant recommendations to credit risk and lending teams.
- Assess the scope of work for Phase II subsurface investigations and remedial action plans.
  Environmental Approved Lists
- Ongoing review and management of approved environmental firms.
- Assist with sourcing and qualifying new environmental firms to complete environmental and property condition due diligence for the bank

  Monitors regulatory standards and industry guidelines for any changes that impact the commercial real estate environmental process; assists with updating related internal training modules, policies, procedural manuals, publications and document libraries.
- Assist management with the development of standardized documentation in connection with environmental inspection checklists, questionnaires, and requests for service.
  Provides data and guidance to credit risk and commercial banking regarding commercial real estate environmental questions and issues.
- Assist relationship managers to complete the WNB environmental questionnaire.
- Coordinate training for relationship managers and staff on the importance of environmental due diligence.
- A liaison between the findings within the environmental and property condition reports and lending teams.
Competencies Required:
  Solid technology abilities, including proficiency with Microsoft office and real estate related websites and software applications.
  Working knowledge of American Society of Testing and Materials (ASTM) standards

  Ability to research, read, and interpret environment data (TCEQ, EPA, ERIS, and EDR) and environmental site assessment reports, seismic reports and property condition reports.
  Strong analytical and research skills; developed technical writing ability.
  Proven ability to prioritize and manage workload and to instill a sense of urgency in others as necessary to meet deadlines and quality standards.
  Excellent communication skills with an ability to effectively interact with people who possess varying levels of understanding on applicable topics.
Minimum Qualifications/Experience:
  7 years' experience conducting environmental site assessments and investigations, risk management, credit risk, or lending experience related to real estate.
  Banking or financial services industry experience preferred.
Formal Education & Certification:
  Bachelor's degree required
Work Status:
  Full-time.
Supervisory Responsibility:
  None.
Travel:
  10% - negligible travel is expected.
Working Conditions:
  Conditions involve lifting no more than ten pounds, sitting most of the time, but may involve walking, moving, or standing for brief periods, and occasionally lifting and carrying articles like files, ledgers, folders, etc.
Disclaimer:
This job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee. Nothing herein restricts management's right to assign or reassign duties and responsibilities to this job at any time.
Woodforest is an Equal Opportunity Employer, including Disability and Veterans.