Loan Review Officer

Southern First Bank•Greenville, SC

1d•Onsite

About The Position

The Loan Review Officer is responsible for providing independent and objective assessment of credit risk and the effectiveness of credit processes across the bank, identifies existing and emerging risks, and communicates findings clearly to executive management. This includes assessing the level of repayment risk of borrowers, assessing the accuracy of the assigned risk ratings, and providing data for management to understand the quality of the loan portfolio.

Requirements

Bachelor’s degree or an equivalent combination of related education and work experience.
5 years of related work experience.
Commercial credit analysis skills.
Excellent organizational and communication skills
Strong interpersonal skills and the ability to effectively communicate with a wide range of team members.
Strong attention to detail and documentation discipline
Self-motivated and able to work independently to take initiative to exercise judgment and make decisions within scope of authority.
Maintain regular, consistent and professional attendance, punctuality, and personal appearance.
Proficiency in basic computer software applications, including Excel and Word.

Responsibilities

Provide an independent loan review/assessment of credit risk of the loan portfolio in accordance with regulatory guidance, Board-approved policies, and industry best practices to deliver to executive management.
Lead and manage examinations of various credit portfolios and credit processes and prepare final reports on observations, trends and emerging risks.
Verify the accuracy of the assigned internal credit risk ratings and repayment risk of borrowers, as well as identify loan weaknesses, and inadequate credit/collateral documentation.
Identify exposures that are outside of the bank’s lending limits, risk appetite, or are not consistent with prudent lending standards.
Identify and recommend process changes related to credit risk management activities, regulatory statutes, credit policy and general credit underwriting guidelines.
Evaluate the bank’s credit policy to verify proper credit controls are in place to appropriately manage credit risk and monitor adherence to such policies by evaluating exceptions.
Prepare reports and reviews as requested by management.
Maintain expertise on the current regulatory and industry trends.
Assist the Risk team with special projects.
Adhere to high ethical standards and comply with all policies, procedures, regulations, and applicable laws.
Complete other duties as assigned.