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Senior Loan Review Officer

Job Juncture St. Louis Full-Time
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Duties of theSenior Loan Review Officer

  1. Conduct credit risk assessments by evaluating the financial position of borrowers considering prudent lending practices through financial/cash flow analysis and applying credit principles and banking regulations.
  2. Detect potential systemic problems in the life cycle of a credit from origination, underwriting, documentation, and problem loans.
  3. Review loan policies and procedures compliance with relevant state, UCC and federal banking laws and regulations.
  4. Prepare written reports. Summarize overall review findings including risk grade changes, impairment recommendations, and recommendations aimed at improving the quality of certain loans, the department’s credit administration practices, or compliance with lending policies.
  5. Collaborate with external auditors and regulators, as needed.
  6. Validate the accuracy of the inputs to the models utilized in the credit grading/loan review system.
  7. Develop internal loan review procedures to evaluate credit administration and residual credit risk, as well as manage the loan review program.
  8. Evaluate the adequacy of and adherence to Bank loan policies and procedures.
  9. Detect potential systemic problems in the life cycle of a credit from origination, underwriting, documentation, and problem loans.
  10. Track corrective action of noted weaknesses through to resolution and report such action or inaction to executive leadership.
  11. Utilize formal methodology to set the loan review scope and prepare ongoing risk assessments of the Bank’s various portfolios.


Senior Loan Review Officer

Will expand, implement and manage the client bank’s loan review and governance program. Construct and submit the loan review risk assessment, program, and goals to Executive bank leadership for approval. Complete loan reviews of intricate loan types and samples standardized portfolios including large, complex or high-risk lending areas.

Requirements:

Requirements:

  1. Bachelor’s Degree in Business, Accounting, Finance with a minimum of eight or more years of direct loan review or loan audit experience, or a minimum of ten ore more years of equivalent lending, credit underwriting or portfolio management experience.
  2. Credit risk management best practices, policies and procedures.
  3. Loan accounting, credit analysis, financial analysis, lending practices, banking regulations, and the Uniform Commercial Code (UCC).
  4. Financial analysis including ratio, trend, and cash flow analysis.
  5. Lending policy, procedures, loan documentation and appraisal requirements.
  6. Excellent oral and written communications skills to prepare and present persuasive oral and written reports effectively to bank personnel of all levels, including internal and external auditors and regulatory examiners.
 

Skills required

Business Development
Implement Sale Strategy
Address Prospective Client
Negotiation
Cultivating Long Term Relationships
Identifying New Prospects

Location

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$76K
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Senior Loan Review Officer
Estimated Salary: $90K
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Job ID: 2I4R8R4

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