Loan Review Officer

At Southern First, we believe banking is about people, and we’re making a difference one client and one banker at a time. Rooted in service and family, our core values make up the foundation of our company and the way we do business. Those values include caring, serving, and loving others. Every day, our team proudly carries out our mission of impacting lives in the communities we serve. Headquartered in beautiful Greenville, SC, Southern First is locally owned and growing southeastern markets in three states. Our relationship-first approach to banking is backed by our commitment to investing in easy-to-use technology, giving our clients all of the tools they need to easily manage their finances whenever, wherever. If you are passionate about impacting lives in our community and building long‑lasting client relationships, we’d love for you to join our team. We care. We serve. We love. Position Summary 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. Essential 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. Essential Skills, Education And Experience 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.

WORK CONDITIONS

This position must be able to sit for long periods of time as the position involves most of the time spent at a computer. This position requires little to no travel. This description is not intended to be construed as an exhaustive list of all functions, responsibilities, skills and abilities. Additional functions and requirements may be assigned by supervisors as deemed appropriate. This document does not represent an expressed or implied contract of employment, nor does it alter your at‑will employment , and the Company reserves the right to change this job description and/or assign tasks for the employee to perform, as the Company may deem appropriate. #J-18808-Ljbffr Southern First Bank