Loan Review Specialist I

Shore United Bank•Annapolis, MD

10h•Onsite

About The Position

Shore United Bank is seeking a full-time Loan Review Specialist I to join our team. The Loan Review Specialist I is responsible for reviewing noncomplex commercial loans and performing administrative duties as part of the loan review function; achieving goals as established in the assigned department's annual operating plan; coordinating work within the department, as well as with other departments; complying with operating policies and procedures established for the loan review function; communicating with appropriate personnel; responding to inquiries or requests for information; maintaining appropriate records and providing assigned reports. Shore United Bank is a full-service financial institution with a rich history dating back to 1876. In excess of $6 billion in assets, we offer innovative financial services delivered with the personal touch you expect. We serve a broad geographic area with branches in Maryland, Delaware, and Virginia, and we also provide a comprehensive suite of digital banking services that allow you to bank with us no matter where life takes you. In addition to banking, we offer trust and wealth management services through Wye Trust, a division of Shore United Bank. Together, our team of experienced professionals is dedicated to helping you achieve your financial goals.

Requirements

A minimum of one year of related experience with loan review
Specialized financial analysis training

Nice To Haves

A bachelor's degree in business, accounting or finance

Responsibilities

Obtains sufficient data from internal & external sources to assist in the review completion
Exercises good judgment as to credit quality while reviewing and/or re-analyzing the financial condition of borrowers and guarantors to ensure accuracy of the underwriting
Includes compliance issues in the review of commercial credit
Identifies issues that may lead to losses
Assesses the accuracy of risk ratings and recommends appropriate action
Maintains accuracy of work papers and documentation sufficient to support accountability for results and maintains productivity levels according to established standards
Involves lending support as needed in the resolution of identified errors
Reports results of credit relationship review to management and Commercial Relationship Managers
Monitors credit and documentation exceptions
Assists the Loan Review Manager as required to complete special projects and other duties relating to the department and its functions
Identifies and responds to opportunities to communicate affiliates products and services to promote the image of the affiliate and promote Shore Bancshares’ community of companies’ products and services to potential customers and referring those customers to the proper personnel.
Achieves goals assigned to the Loan Review Specialist as part of the assigned department's annual operating plan.
Abides by the current laws and organizational policies and procedures designed and implemented to promote an environment which is free of harassment and other forms of illegal discriminatory behavior in the workplace.
Cooperates with, participates in, and supports the adherence to all internal policies, procedures, and practices in support of risk management and overall safety and soundness and the company’s compliance with all regulatory requirements, e.g., community reinvestment act (CRA), bank secrecy act (BSA), equal credit opportunity act, etc.
Participates in required training sessions, including training for compliance with BSA/AML policies and procedures.
Coordinates specific work tasks with other personnel within the department as well as with other departments to ensure the smooth and efficient flow of information.
Communicates with management and staff personnel in order to integrate goals and activities.
Responds to inquiries relating to his/her particular area, or to requests from other bank personnel, customers, etc., within given time frames and within established policy.
Maintains appropriate records and provides assigned reports.
Performs tasks which are supportive in nature to the essential functions of the job, but which may be altered or re-designed depending upon individual circumstances.

Benefits

Join a family and community-oriented workplace that offers a team environment, along with a collaborative and friendly place to work.
Comprehensive benefits package for full-time, permanent employees including health, dental, vision, company-paid life insurance, mental health well-being, short-term and long-term disability, and much more!
Paid parental leave
401k savings plan with up to a 4% company match
Employee Stock Purchase Plan
Employee perks such as: employee banking services, loan discount program, education assistance, career development program, Employee Assistance Program, and wellness initiatives.
Opportunity for growth and advancement
Paid training program and continuous training sessions throughout the year on various topics
Generous paid time off and paid sick time
Community involvement opportunities