Provides objective appraisals to bank management of loans and applications for credit in order to identify potential loan problems and ensure compliance with established loan policies and federal regulations.
Performs regular loan portfolio reviews based on risk and/or size of all credit types (commercial, consumer, residential, equipment, Small Business Administration, mortgage, HELOC, participations, etc.) that cover the areas of asset quality, documentation and compliance.
Ensures the creditworthiness of the loan portfolio, looking for changes that merit a review of lending practices and/or adverse asset classification.
Reviews bank processes (loan approvals, policy exception reporting, supervisory loan to value limits, underwriting, covenants, internal controls, concentration reporting, ALLL methodology, etc.).
Verifies quality, completeness and accuracy of supporting loan documentation and analysis.
Reviews loan policy for adequacy.
Bachelors degree in business related field with an emphasis in finance or accounting or equivalent experience required.
3+ years experience in a loan review or credit analysis capacity required.
Thorough knowledge of lending laws and regulations
Strong analytical, technical and statistical skills
Sound working knowledge of accounting principles and financial statements
Ability to create reports of review findings
Capability to effectively present information and respond to questions from groups of lenders, managers, directors and/or regulatory officials
Strong integrity in all areas, adhering to policies, regulations and utmost ethical and legal standards
Uphold confidentiality and privacy of findings in all situations
Demonstrate ability to prioritize and handle multiple projects
Remain flexible to withstand unpredictable changes to schedules and deadlines
Interact and communicate effectively with personnel at all levels of the organization
Knowledge of Windows based PC (MS Word/Excel/PowerPoint/Outlook)
Knowledge of Core Bank Software
Ability to work under stress and meet deadlines.
Ability to operate a keyboard if required performing the essential job functions.
Ability to read and interpret a document.
Ability to travel if required to perform the essential job functions.