Loan Review Officer

: Overview: The Loan Review Officer, effectively provides on-going evaluation of loan portfolio quality and composition. Ensures Lending Policies are adhered to. Identifies problem loans as soon as possible. Exercises discretion, strong interpersonal skills, and independent judgment with respect to the credit function of the Bank. Principal Duties & Responsibilities:

• Reports to the Enterprise Risk Executive.
• Conducts continuous monitoring reviews of the loan portfolio to provide senior management and the Audit Committee with objective assessments of credit quality. Will work closely with the Finance Department in fine-tuning the allowance for loan losses methodology.
• Reviews individual credits and independently assess the loan grading. Also reviews individual product segments for asset quality, weakening trends, and credit concentrations. Includes evaluation of adherence to: credit policy; underwriting standards; documentation; funding requirements; loan administration procedures; and loan grading. Identifies needed course of action to remedy any weaknesses. Monitors implementation of corrective action. Identifies training opportunities from negative indicators.
• Monitors and reviews various administrative and operational loan systems and procedures to determine that they comply with existing policies, standards, and current regulatory issues (e.g., credit analysis, loan servicing, documentation exceptions follow-up and clearance, etc.).
• Discusses credits, exceptions, and overall portfolio findings and communicates recommendations, and reviews potential loan grade changes with assigned account officers and senior lenders.
• Identifies concerns, develops recommendations, and formally communicates various findings and recommendations to senior management and the Audit Committee of the Board.
• Assesses the effectiveness of review recommendations and management responses through formal follow-up.
• As appropriate or necessary, consults with bank examiners and external auditors to assist with examinations and audits of the loan portfolio and the allowance for loan losses.
• Recommends credit policy changes.
• Performs special projects as necessary.

Qualifications:

• 2-4 years experience in commercial credit analysis, lending or as an examiner in a regulatory environment. Required
• Loan review experience should include the following types of lending activity: commercial real estate; construction & land development; commercial & industrial loans (C&I); asset based lending; trade finance; etc.
• Understanding commercial loan structures, underwriting, collateral evaluation, cash flow analysis, and associated control/approval processes.
• Experience with industry accepted loan policy standards and credit administration practices.
• Solid ability to apply loan risk rating systems to categorize the quality of a particular loan, using regulatory risk rating definitions.
• Strong emphasis in accounting, financial analysis, and trend analysis.
• In-depth understanding of regulatory examination procedures required.
• Excellent communication skills.
• Strong report writing skills.
• Must be detail oriented with leadership, supervisory, and staff development skills.
• PC skills, including experience with MS Word and MS Excel.

Education:

• Bachelor's Degree in Business or related area.

Special Instructions to Candidates:

• Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities.
• Please view Equal Employment Opportunity Posters provided by OFCCP here.
• The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)
• Reasonable accommodation may be made to assist individuals with disabilities to complete the online application process. Please contact our Human Resources Department at 305-577-7680 or by e-mail at [email protected].