Senior Loan Review Auditor

Wilson Bank & Trust•Lebanon, TN

About The Position

The Senior Loan Review Auditor conducts independent, risk-based loan reviews to validate credit quality, underwriting, risk rating accuracy, collateral/documentation sufficiency, policy compliance, and portfolio risk trends. This position produces clear reporting, identifies root causes, recommends corrective actions, and tracks remediation through closure. The Senior Loan Review Auditor serves as primary coordinator and oversight partner for the bank’s third-party loan review engagement to include supporting scoping, data readiness, vendor coordination, methodology validation, deliverable review, reconciliation of findings, and management/examiner reporting. This position reports to the Chief Risk Officer and provides excellent service and support to team members and customers while demonstrating the Company’s values and supporting the mission.

Requirements

Bachelor’s degree in accounting, finance, or similar field preferred
5 years of bank audit, examination, or loan review experience
Proficient with Microsoft Office and other standard software applications
Prior experience with commercial and residential real estate data platforms to support market analysis and risk monitoring
Familiar with large commercial real estate and construction and land development loans
Knowledge of loan underwriting concepts such as 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 Board of Directors
Detail oriented
Critical thinking and analytical skills including the ability to define problems, collect data, establish facts, and draw valid conclusions
High standards for integrity, honesty, professionalism, and work ethic
Commitment to service excellence
Demonstrate 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
Maintain confidentiality discretion
Ability to effectively work in collaboration with others to achieve business objectives
Willing to grow and be challenged

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 policy and procedure and identify deviation from policy
Participate in audit pre-planning meetings
Assist in the creation and ongoing development of audit programs to assess compliance with policies and internal controls
Adapt audit procedures as needed to comply with evolving credit risk trends, regulatory expectations, and internal policy updates
Prepare audit work papers that are properly documented, accurate, and completed in adherence with the annual loan review plan
Confer with Loan Review Manager regarding audit findings and assist with development of corrective action plans as needed
Assist in the preparation of reports for the quarterly Audit Committee meetings
Assist in the development of the annual loan review audit risk assessment
Participate in policy revisions and audit planning cycles to confirm the review function remains aligned with strategic and operational changes
Utilize technology to streamline review process and reporting
Maintain professional and technical knowledge by attending educational workshops; reviewing professional publications; establishing personal networks; and participating in professional associations
Attend training as requested
Adhere to compliance with all federal bank regulations and laws, including those for consumer protection and the Bank Secrecy Act/Anti-Money Laundering Program
Participate in outside community activities as required
Perform other duties as assigned