Career Center

JOB POSTING

Position: Loan Portfolio Analysis and Review Officer

Purpose of Position:  The incumbent will be principally responsible for developing, updating and maintaining the Bank’s concentration and stress testing databases, ensuring accuracy across the areas of input and modeling of results. As a Loan Review Analyst, this person will also assist in achieving the overall departmental scope and goals. The incumbent provides the highest quality of service to every customer.

Essential Functions:

• Oversee and train others in the Loan Review Department on use of stress-testing database to ensure information from completed loan reviews is accurately reflected
• Ensure data from loan approval documents and other data sources is accurately and appropriately captured
• Complete quarterly Loan Concentration Reporting for submission to Bank’s Loan Policy Committee, working with various departments to obtain critical information
• Prepare monthly reporting and graphs for the Bank’s Classified Loans, Special Mention Loans and OREO Assets
• Prepare asset quality analyses and develop additional reporting at Management’s request, including but not limited to: HELOC Segmentation Report, Loan Portfolio Concentration Abbreviated Report, HELOC and Credit Card Score Analyses, and other similar portfolio analytics
• Work with third party vendors and Bank Operations departments to create and maintain queries/reports
• Using available technology: create Access databases and access existing databases; manage and maintain raw data within databases including writing queries, populating data and manipulating data; create formulas and functions within spreadsheets; apply data analytics and generate graphs/reports to document results, as needed; develop industry and loan type extrapolations from databases to allow Loan Review to track performance of specific industries
• Serve as primary analyst focusing on installment and home equity loan underwriting to assess adherence to policy and accuracy of underwriting; author periodic report of findings for Bank’s Loan Policy Committee and share findings with management team, as appropriate
• Examine, analyze and assign loan ratings to credit relationships to determine loan quality in accordance with Bank policy, regulatory guidelines and OCC examinations; provide these rating reviews to the Loan Policy Committee and individual loan officers
• Perform documentation reviews on a portion of the total number of loans in the review process
• Develop and maintain a personal program for maintaining an adequate level of knowledge in loan review matters, stress testing, concentration reporting and systems

Requirements:

• Bachelor’s degree in finance, business, or economics, or equivalent combination of education and experience
• Three or more years of commercial credit or loan review experience; must have prior commercial credit training
• High level of computer proficiency with proven expertise using database management and spreadsheet applications; requires proficiency applying complex formulas, functions, and graphs; proficiency with Microsoft products and a working knowledge of SQL preferred
• High degree of accuracy and attention to detail
• Demonstrated excellence in interpreting, analyzing and problem solving; proven expertise in data analytics
• Demonstrated skill in recognizing loan documentation deficiencies and determining a borrower’s credit worthiness
• Knowledge of government regulations and required documentation regarding loans
• Proven ability to communicate effectively with loan officers regarding the results of the review process
• Proven ability to communicate effectively in a variety of situations, whether in writing or in conversation
• A collaborative and team-work oriented approach, consistent with the Bank’s Culture of Excellence
• Ability to organize and prioritize tasks
• Excellent interpersonal and customer service skills