Loan Review Officer

*Hybrid Position*

Monitor new and existing credit facilities on a regular basis; promptly identify loans that have potential weaknesses and exposure to risk of loss; project relevant trends that affect the risk profile of the portfolio and provide essential information to determine the adequacy of the Loan Loss Reserve. Ensure that credit facilities adhere to existing policy guidelines, that documentation is adequate to ensure security of collateral and that lending personnel provide an appropriate level of portfolio management to ensure that credit risk is acceptable and profitable.

JOB DUTIES AND RESPONSIBILITIES:      

• Perform new and existing loan reviews and comment on responses.
• Perform portfolio manager or unit portfolio reviews as directed by the Chief Credit Officer and comment on the responses.
• Monitor loan ratings; recommend upgrades or downgrades.
• Identify potential problem credits. Report to the Chief Credit Officer any findings, which may have an adverse effect on loan collateral or a borrower’s ability to repay the loan.
• Assist Chief Credit Officer in advising credit and loan personnel on the company’s overall lending policy, noting significant trends and recommend policy changes as necessary 
• Work with other groups to ensure that administrative and review systems and procedures are adequate to protect the quality and profitability of the loan portfolio. 
• Coordinate efforts for the training and development of lending personnel and credit support functions.
• Review data integrity of the risk ratings, risk dates, property types and NAICS codes to ensure management reporting is accurate.
• Maintain a good working knowledge of the Bank’s lending policies and procedures.
• Perform other duties as assigned by the Chief Credit Officer.

DECISION MAKING:

This position functions independently and is responsible for reporting Loan Review findings to the Chief Credit Officer. This position is responsible for recommending changes in risk ratings and charge offs to the Chief Credit Officer for deteriorating credits. 

ACCOUNTABILITY:

This position is responsible for exercising high levels of judgment and discretion in the performance of all duties. The individual is responsible for ensuring loans are in compliance with credit policy and are properly documented. This individual is responsible for ensuring that management reporting regarding the loan portfolio is accurate and complete.

PHYSICAL AND SENSORY REQUIREMENTS:

• Prolonged periods sitting at a desk and working on a computer.
• Some mobility in order to access files and attend meetings is necessary.
• Must be able to operate a computer terminal and office equipment and communicate and exchange information with internal and external customers.

POTENTIAL ON-THE-JOB-RISKS:

• None identified.

EDUCATION, TRAINING AND EXPERIENCE:

• Bachelor’s degree in accounting, Financial Management or Business Administration
• 5 years Credit and Audit experience
• Strong writing and interpersonal skills.
• Strong knowledge and understanding and application of computing functions and capabilities. Intermediate skills with Microsoft Office (Word, Excel and Outlook).
• Excellent analytical skills.
• Well-rounded supervisory banking experience and background.