Loan Review Officer

Conduct comprehensive reviews of the loan portfolio to provide senior management and the Audit Committee with independent, objective assessments of credit quality, ensuring adherence to regulatory standards and internal policies. Identify and report on areas of concern to the Management Enterprise Risk Committee and the Board Enterprise Risk Committee, developing actionable recommendations to mitigate risks.

Requirements

• 2-4 years experience in commercial credit analysis, lending or as an examiner in a regulatory environment.
• Loan review experience including commercial real estate, construction & land development, commercial & industrial loans, asset based lending, trade finance, etc.
• Understanding of 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.