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Loan Review Analyst

Company: Independent Financial
Location: Garland
Posted on: May 13, 2022

Job Description:

This role has the opportunity to work hybrid. During the interview process, our Talent Acquisition Team will share additional details with you.The Loan Review Analyst is responsible for performing internal loan reviews on assigned bank credits identified in Loan Review Departments scheduled internal audits. The loan review function provides the bank with an independent assessment of asset quality and credit risk for all segments of the loan portfolio and monitoring supplements that function.Responsibilities

  • Complete reviews of credit relationships to validate accuracy of risk ratings, borrowers ability to repay, compliance with financial covenants, adequacy of documentation as well as collateral valuation and perfection
  • Evaluate and monitor credit quality in order to identify specific deficiencies for individual borrowers
  • Identify deviations from banking regulations, loan standards and loan policy
  • Assist in maintaining the integrity of risk management functions by ensuring acceptable credit standards are maintained
  • Identify potential or existing systemic deficiencies which may adversely affect bank profitability and recommend policy/procedural changes to Management to prevent and/or correct deficiencies identified during the Loan Review process
  • Keep abreast with current and emerging lending concerns and maintain a working knowledge of lending risk management practices
  • Other job-related duties as assigned QualificationsEducation
    • Bachelors degree in business or related field of study required (Finance/Accounting/Economics)Minimum Experience
      • 5 years credit experience required: loan review officer, regulatory examiner, or senior credit/financial analyst
      • Loan documentation experience, either working directly in the preparation of the documents or reviewing the loans documents. Including but not limited to promissory notes, loan agreements, security agreements, deeds of trusts, along with ancillary documents such as assignments and subordination agreements.Licenses and Certifications
        • Credit/loan review certification preferred, but not required.Knowledge/ Skills/ Abilities
          • Strong analytical skills; formal bank credit training is preferred.
          • Good communication skills, both written and verbal.
          • Proven experience working in a team environment; motivated self-starter and an active learner
          • Familiarity with banking laws and regulatory guidance, GAAP
          • Strong project management skills
          • Demonstrate general knowledge of Bank Secrecy Act and OFAC related responsibilities in the performance of daily operations to ensure adherence to bank policies and compliance with all regulatory requiredJob Details:Regular

Keywords: Independent Financial, Garland , Loan Review Analyst, Accounting, Auditing , Garland, Texas

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