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About The Position
Analyze and conduct systematic loan reviews of commercial loan relationships to ascertain adequacy of credit quality and compliance with established policies. Identify credit risk and assign a credit risk grade.
Requirements
- Bachelor’s Degree in Business Administration, Accounting or Finance with a minimum of 12 hours of accounting
- A minimum of 2 years’ experience in commercial credit areas of banking is preferred.
- Must be analytical and detail oriented.
- Working knowledge of Excel, MS Word, and database applications.
- Ability to learn new software applications.
- Good oral and written communication skills.
- Ability to learn and adhere to policies, procedures, and compliance regulations.
- Work productively under direct supervision as well as independently
Responsibilities
- Perform loan reviews of existing commercial loans:
- Compile & input loan and financial data obtained from loan system and file documents into individual loan review forms.
- Perform cash flow adequacy analysis, balance sheet analysis, trend analysis, collateral valuation adequacy analysis, and other credit quality assessments relevant to the credit grade determination of the loan(s).
- Recommend credit risk grades and provide supporting reasons.
- Identify documentation and policy exceptions in the individual report
- Spreading and analysis of commercial financial statements & tax returns of existing loan customers as well as personal financial statements and tax returns of related guarantors when needed.
- Review Loans at time of Approval/Origination for Risk Grade appropriateness.
- Assist with quarterly board loan review meeting preparation: Collecting reviews into shared folder, creating cover page listing of reviews, compiling report of exceptions from the reviews, compiling exception trend reports, etc.
- Assist with analysis, monitoring, and grade changes using ‘target-risk’ loan data reports.
- Other duties as assigned
