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Loan Review Officer
- Independently review loans to assess the risk rating and identify credit quality trends. Evaluate compliance with the Loan Policy, underwriting standards, and any emerging risks.
- Review collateral documentation and verify the accuracy of the collateral values securing loans.
- Perform underwriting reviews on new loans to identify any potential weaknesses, emerging risks, and exceptions to the Loan Policy.
- Write reports using Loan Review software on all reviews performed and other projects completed by the Loan Review Department.
- Discuss identified findings with the Director of Loan Review, loan officers, and Credit Administration.
- Assist the Director of Loan Review and other Loan Review staff with sampling for the various reviews performed by the department.
- Participate in due diligence examinations on potential mergers/acquisitions of the bank.
- Perform other duties as assigned or required.
- Minimum 2 years of experience working in loan review/credit review, credit analysis, commercial lending, or time as a regulatory examiner.
- Prior experience completing a cash flow analysis and assigning risk ratings on commercial loans is required.
- Prior knowledge of valuing various types of collateral such as appraisals, borrowing bases, and/or agricultural products
- Bachelor’s degree in finance, Accounting, or Business. Prior experience working in credit analysis, loan review, or commercial lending will be considered in lieu of the degree.
- Proficiency in Microsoft Word and Excel
- Excellent technology skills including working with AI to improve processes and data collection.
- Good interpersonal and written skills