Responsible for reviewing diversified loans to ensure acceptable credit standards are maintained
Identifying potential loan losses to help establish an adequate loan loss reserve calculation
Preparing loan review reports for distribution to account officers and management
Proficiently extracts and reviews samples of various segments of the portfolio
Analyzes results regarding asset quality of the portfolio as a whole and/or various aspects thereof
Assembles raw loan portfolio data from diverse sources into reporting information
Prepares and distributes formal reports derived from the review and analysis of information
Uses credit and financial information to verify continuing credit worthiness of the client
Reviews collateral documentation, if necessary
Evaluates the adequacy of loan risk codes and accrual status
Recommends changes as appropriate
Informs supervisor of discrepancies in perceived risk ratings
Assists with gathering information, preparing reports, and completing special projects
May serve as a member of the Due Diligence team for future acquisitions
Serves as a Team Lead for two or more annual portfolio reviews
Assigns reviews and assists team members with loan reviews
Ensures the team’s work is consistent and completed within allocated time frame

Bachelor’s degree preferably in Business Administration, Finance or Accounting
6 years of related banking experience required preferably in credit analysis, credit review and/or commercial lending
Must have advanced training which can include either Loan Review Certification, Risk Certification, CPA designation or Graduate Banking School or be able to obtain one within one year of hire
Expert-level understanding of functional areas; Credit, Finance, Compliance, Legal, Retail and wholesale preferred
Ability to apply conceptual intent of loan/deposit/payment transactions to practical situations
Multi-state knowledge of laws, regulatory requirements and compliance rules

Senior Credit Review Analyst

About this role