EQUAL OPPORTUNITY EMPLOYER, INCLUDING DISABILITY/VETS

Summary Description

Responsible for the loan review function at full professional level. Reviews individual loan files and evaluates all facets of the loan for the most complex lending relationships. Ensures that lending systems are well-controlled and operating effectively. Monitors and reports on quality-related aspects of the loan portfolio.

Essential Functions

Performs all functions of Loan Review Officer

Contributes to the ongoing review of policies and procedures for the loan review function including scope and methods of review

Has comprehensive knowledge of the Bank's credit policies and procedures and applies then appropriately

Recommends changes in the Bank's Loan Policy and Procedures to address credit risk issues

Evaluates the repayment capacity of loan customers through analysis of complex financial statements

Prepares reports regarding specifics of loans reviewed, movement in assigned ratings, adequacy of any impairment allocations or credit marks and any need for restructuring

Completes special reviews of specific risk as required

Reviews the work of other loan review personnel

Position Requirements

• B.A. or B.S. in related field
• Minimum of four (4) years of credit experience with a commercial bank or a related financial services company, including a working knowledge of current loan review processes, loan classifications, risk management techniques and loan loss reserve analysis
• Thorough knowledge of current bank lending principles, policies and practices
• Demonstrated computer experience. Experience with loan review software preferred.
• Experience in a wide variety of lending areas such as residential and commercial construction, multi-family and commercial real estate, and commercial/business lending
• CPA or CLBB required, or minimum 10 years of loan review experience
• Work is generally performed indoors in environmentally controlled conditions
• Typically the employee may sit to perform the work. However, there may be some standing, walking, bending and carrying of light items in the course of the work
• Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions

Critical Skills / Expertise

• Ability to work well independently and in a team environment
• Strong analytical, problem-solving, interpersonal, and organizational skills, including strong attention to detail
• Proficient in financial statement analysis
• Knowledge of current lending and collections laws and regulations