Loan Review Analyst

ChoiceOne Bank • Fenton, MI

5d • Onsite

About The Position

Review and analyze credit and collateral information for diverse types of loans, including ascertaining an appropriate loan rating. Prepare and occasionally present annual loan reviews for approval to various committees. Review appraisals, property evaluations, and various environmental reports. Prepare and compile various key management reports.

Requirements

• Bachelor’s Degree
• Minimum three (3) years of review experience; or equivalent combination of education and experience
• Computer knowledge – Windows, Microsoft Office
• Working knowledge of Banking
• Speaks clearly and persuasively in positive or negative situations; listens and gets clarification; responds well to questions; demonstrates group presentation skills; participates in meetings. Writes clearly and informatively.
• Synthesizes complex and diverse information; collects and researches data; uses intuition and experience to complement data.
• Adapts to changes in work environment; manages competing demands; changes approach or method to best fit the situation; able to deal with frequent change, delays or unexpected events.
• Undertakes self-development activities; takes independent actions and calculated risks; looks for and takes advantage of opportunities; asks for and offers help when needed.
• Assesses own strengths and weaknesses; pursues training and development opportunities; strives to continuously build knowledge and skills; shares expertise with others. Has a thorough understanding of underwriting, coverages and rating procedures.
• Displays willingness to make decisions; exhibits sound and accurate judgement; supports and explains reasoning for decisions; includes appropriate people in decision-making process. Makes timely decisions.
• Understands business implications of decisions; displays orientation to profitability; demonstrates knowledge of market and competition; aligns work with strategic goals.

Responsibilities

• Manage and perform annual credit reviews on commercial loan relationships, to include review of all pertinent credit & financial information, such as credit bureaus, UCC & title searches, various financial statements, the loan files to include both credit & collateral, and provide credit analysis and assign grading to same.
• Assess the adherence to internal credit and loan administration policies and procedures.
• Coordinate Appraisal/Environmental orders and complete reviews as assigned and in accordance with guidelines.
• Provide special reviews as requested to assess the state of certain loan portfolio segments.
• Input financial statement spreads using Flash Spread.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level