Senior Commercial Loan Review Officer

SUMMARY

The Senior Commercial Loan Review Officer serves as both a team leader or Reviewer-in-Charge (RIC) and conducts independent, high-quality reviews of borrowers across a diverse range of commercial loan portfolios.  Reviews loans of all sizes and complexity.  Must have expert knowledge in commercial lending and credit analysis and demonstrate the ability to identify problem loan accounts to reduce risks and mitigate loss.

If the Senior Commercial Loan Review Officer meets and exceeds all performance expectations during an orientation period, including a high level of knowledge/proficiency and exemplifying the Bank’s mission and core values, there will be a potential opportunity to be promoted to a management position. If promoted to a management position, duties will include hiring, training, mentoring, directing job duties, and reviewing the performance of loan review analyst personnel. Therefore, the successful Senior Commercial Loan Review Officer candidate should have the professional maturity, skills and aptitudes required to successfully supervise employees.  This position is an on-site role and not currently eligible to be performed remotely.  

PRIMARY DUTIES/RESPONSIBILITIES:

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.

• Serve as the RIC by identifying and selecting an appropriate review sample, monitor exam progress, and  assist in the professional development of team members.
• Analyze and interpret borrower specific information, including an independent assessment of repayment capacity, management capability, covenant adherence, legal documentation, and industry risk.  Identify actual and potential credit weaknesses.
• Conduct independent reviews to assess underwriting adequacy, portfolio monitoring activities, documentation adequacy, risk rating accuracy, and problem loan administration. 
• Evaluate loans in accordance with the Bank’s lending policies, loan structure and proper approval, interpretation of applicable laws and regulations, interest rate structure, and documentation standards.
• Produce workpapers documenting review findings and create the final report for presentation to management.
• Interact professionally, both verbally and in writing, with lending and credit management staff and work productively to resolve any discrepancies.
• Work autonomously and perform other duties as assigned. 
• Regular and reliable attendance is a requirement of the job.

EDUCATION:

• Bachelor’s degree in business or related field required.  Strong preference for Finance or Accounting major.

EXPERIENCE:

• Must have expert knowledge and experience in commercial lending and credit analysis.
• 7+ years of commercial credit experience in loan review, credit underwriting/analysis or related field.
• Previous supervisory experience is not required but is a plus.

OTHER REQUIREMENTS (SKILLS, ABILITIES, CHARACTERISTICS):

• Flexibility, a positive attitude, and passion for the business. Must be comfortable with on-the-job training and demonstrate a commitment to learning the bank.
• Must have independent decision-making ability within defined guidelines.
• Ability to present findings with supported opinions of process, procedure and credit risk to senior management.
• Excellent analytical skills as well as organizational skills and attention to detail. Must be able to prioritize and organize assignments and meet deadlines.
• Excellent interpersonal skills and written and verbal communication skills.  Must be able to handle conflict in an assertive, tactful, and highly professional manner and be able to generate strong team morale.
• Strong work ethic and demonstrated leadership ability. Comfortable working with a diverse group of people, being highly influential, collaborative, and effective.
• Excellent computer skills with specific knowledge of Windows-based applications (Microsoft Office, Word, Excel) and Internet navigation skills. Proficient in use of the bank’s loan review software.

ADDITIONAL INFORMATION

SUPERVISORY RESPONSIBILITY:

• None; however, if the Senior Commercial Loan Review Officer meets and exceeds all performance expectations during an orientation period, there will be a potential opportunity to be promoted to a management position which will include the supervision of loan review analyst personnel.
• The Senior Commercial Loan Review Officer will be expected to aid and assist in the development of less experienced team members. 

PHYSICAL REQUIREMENTS:

While performing the duties of this Job, the employee is required to work in a normal office environment. 

EOE/D/V