Loan Review Officer III

BOK Financial•Tulsa, OK

13h

About The Position

The Loan Review Officer III performs reviews of complex loan types and leads reviews of large or high-risk lending areas. The role also leads or assists with special projects, including due diligence for potential acquisitions. It is responsible for ongoing evaluation of commercial loan portfolio quality and for measuring compliance with established policies, regulatory guidelines, and sound lending practices. The position provides bank management and the Board of Directors with evaluations of portfolio risk and collectability, as well as the stability of lending practices and activities. The officer works under limited supervision and provides functional guidance to subordinate officers. The role evaluates commercial portfolio credit risk through annual reviews of commercial lending departments, quarterly new underwriting reviews, and participation in quarterly asset quality meetings. It verifies risk grades for individual loan relationships after analyzing borrowers’ ability to repay and discussing the analysis with relevant managers and senior leaders. The officer prepares written reports for lending management, senior credit administration personnel, the Chief Credit Officer, and executive management.

Requirements

Bachelor’s degree in Finance or Accounting and 5+ years of experience in loan review and analysis, or 10+ years of equivalent related experience.
Advanced knowledge of accounting, credit analysis, financial analyses, lending practices, banking regulations, and the Uniform Commercial Code.
Advanced understanding of financial analysis, including ratio, trend, and cash flow analysis.
Excellent knowledge and understanding of commercial lending policies, procedures, and loan documentation requirements.
Excellent oral and written communication skills, including the ability to prepare and present persuasive reports.
Excellent PC and spreadsheet software skills.

Responsibilities

Perform loan reviews of complex loan types and lead reviews of large or high-risk lending areas.
Lead or assist with special projects, including due diligence of potential bank acquisitions.
Evaluate the credit risk and quality of the commercial loan portfolio through annual reviews, quarterly new underwriting reviews, and participation in quarterly asset quality meetings.
Verify risk grades for individual loan relationships by analyzing borrowers’ capacity to repay and discussing the analysis with the Loan Review Manager, Relationship Managers, and senior leaders.
Prepare written reports for lending department management, senior credit administration personnel, the Chief Credit Officer, and executive management.
Review criticized loans, assess collateral adequacy, and recommend actions based on potential shortfalls and losses.
Evaluate compliance with established policies, regulatory guidelines, and sound lending practices.
Provide functional guidance to subordinate officers.