Credit Review

Platte Valley Companies•Scottsbluff, NE

About The Position

Primary responsibility is to review credit for all banks to minimize losses and to ensure that company lending practices conform to established policy in the three state regions. Secondary responsibility is to assist with internal auditing as necessary.

Requirements

Three to five years’ experience in banking with a working knowledge of lending, auditing, and compliance.
Must be willing to travel and adjust to flexible hours. Traveling is required to Nebraska, Wyoming and Colorado locations.
Undergraduate degree in finance, business or related field preferred, but not required. Additional professional education at an audit and/or compliance school is a plus.
Knowledge of, or experience in bank examination/audit/loan procedures. Maintain current knowledge of auditing requirements - on-going basis.
Effective communication skills, both written and verbal.
Demonstrated record of achievement in leadership skills.
Professional appearance.
General areas of competency: decision making, dependability, on-going development, environmental safety, evaluation skills, interpersonal skills, prioritizing, problem solving, team skills, self-sufficient/self-starting and time management.
Computer skills needed would include Word/Excel/Outlook.
Must be capable of working with and maintaining the confidentiality of sensitive information.
Normal working days are Monday through Friday ~ 40-hour work week. However, because of the traveling involved, additional hours may be required to do the job.
Light Work - exerting up to 20 pounds of force occasionally, and/up to 10 pounds of force frequently, and/or a negligible amount of force constantly to move objects. Reaching, fingering, grasping, repetitive motions, stooping, crouching, standing, walking, lifting, climbing, kneeling, talking, hearing, pulling, pushing, thinking, concentrating and interacting with others.
You should be capable of performing in a reasonable manner, with or without reasonable accommodation, the activities involved in this job. A description of the activities involved in this job is listed above.

Nice To Haves

Undergraduate degree in finance, business or related field preferred, but not required. Additional professional education at an audit and/or compliance school is a plus.

Responsibilities

MONITORING OF LOANS:
Monitor loans companywide for adherence to loan policy and procedures, banking laws and regulations and documentation standards.
Prepare written loan review reports on all loans reviewed based upon an annual schedule.
Prepare and report credit review findings to senior credit officers at least quarterly.
Completed asset quality reviews will be sent to staff assistants to be scanned to the respective borrowers' file and exceptions/deficiencies noted on pending list.
Review credit completed by credit analyst and provide assistance to credit analyst as deemed necessary.
Attend weekly senior loan committee meetings for Nebraska, Wyoming and Colorado.
Evaluate credit quality and suggesting loans to be downgraded or upgraded based on most recent financial information
Attend and present pertinent topics at annual All Lender Meetings
Answer questions and provide expertise to all lenders
Other duties as assigned.
RESPONSIBILITY AS Credit Review Specialist:
Chair quarterly credit review committee meeting.
Chair quarterly status report meetings and act as secretary by taking minutes, preparing agenda, and providing status report sheets.
LOAN POLICY/COMPLIANCE
Responsible for Regulation O and all reports necessary for regulators.
Maintain loan policy manual in current status and distribute to all banks when necessitated.
Field questions for loan regulatory and loan policy inquires by associates.
REGULATORS / EXTERNAL AUDITORS:
Work with regulators and external auditors to monitor and assist with examination exceptions.
Will need to keep up to date on bank compliances regulations.