Senior Loan Review Auditor

Wilson Bank & Trust•Lebanon, TN

109d

About The Position

The Senior Loan Review Auditor conducts independent, risk-based loan reviews to validate credit quality, underwriting, risk-rating accuracy, collateral and documentation sufficiency, policy compliance, and portfolio risk trends. The role produces clear reporting, identifies root causes, recommends corrective actions, and tracks remediation through closure. The position is the primary coordinator and oversight partner for the bank’s third-party loan review engagement. Responsibilities include supporting scoping and data readiness, coordinating with the vendor, validating methodology, reviewing deliverables, reconciling findings, and reporting to management and examiners. The role reports to the Chief Risk Officer and provides service and support to team members and customers while demonstrating company values and supporting the mission.

Requirements

Five years of bank audit, examination, or loan review experience.
Proficiency with Microsoft Office and other standard software applications.
Prior experience with commercial and residential real estate data platforms for market analysis and risk monitoring.
Familiarity with large commercial real estate, construction, and land development loans.
Knowledge of loan underwriting concepts, including cash flow and financial statement analysis.
Ability to develop loan review audit scopes and complete reviews with minimal supervision.
Excellent written and verbal communication skills, including effective presentation skills.
Ability to present audit findings to management and the Board of Directors.
Attention to detail.
Critical-thinking and analytical skills, including the ability to define problems, collect data, establish facts, and draw valid conclusions.
High standards of integrity, honesty, professionalism, and work ethic.
Commitment to service excellence.
Flexible and efficient time management and ability to prioritize workload.
Ability and willingness to work with purpose and a strong sense of urgency.
Self-motivated, positive, and enthusiastic.
Self-starter with a strong desire to exceed expectations.
Ability to maintain confidentiality and discretion.
Ability to collaborate effectively with others to achieve business objectives.
Willingness to grow and be challenged.

Nice To Haves

Bachelor’s degree in accounting, finance, or a similar field preferred.

Responsibilities

Perform independent, risk-based loan reviews across commercial, consumer, real estate, and specialty portfolios as applicable.
Plan and scope reviews based on risk, portfolio trends, growth, concentrations, and prior findings.
Maintain knowledge of lending policies and procedures and identify deviations.
Participate in audit pre-planning meetings.
Assist in creating and developing audit programs to assess compliance with policies and internal controls.
Adapt audit procedures to evolving credit risk trends, regulatory expectations, and internal policy updates.
Prepare accurate, properly documented audit work papers in accordance with the annual loan review plan.
Confer with the Loan Review Manager about audit findings and assist with corrective action plans as needed.
Assist in preparing reports for quarterly Audit Committee meetings.
Assist in developing the annual loan review audit risk assessment.
Participate in policy revisions and audit planning cycles to keep the review function aligned with strategic and operational changes.
Use technology to streamline review processes and reporting.
Maintain professional and technical knowledge through workshops, professional publications, networks, and professional associations.
Attend training as requested.
Comply with federal bank regulations and laws, including consumer protection requirements and the Bank Secrecy Act/Anti-Money Laundering Program.
Participate in outside community activities as required.
Perform other duties as assigned.