Loan Review Specialist

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.

Essential Functions Include:

• 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.

Location: This position can work from one of three locations:

• Westgate Circle - 200 Westgate Circle, Suite 200, Annapolis, MD 21401
• Waldorf Annex - 3035 Leonardtown Road, Waldorf, MD 20601
• Shore Bancshares HQ - 28969 Information Lane, Easton, MD 21601

Position Type/Expected Hours of Work:

• Full-time.
• Non-exempt.
• Days of Work: Monday-Friday.

Required Education and Experience:

• A bachelor's degree in business, accounting or finance preferred, OR a minimum of one year of related experience with loan review.
• Specialized financial analysis training.

Compensation:

• The pay range for this position is $24.00 to $38.50 hourly.
• Actual compensation offered may vary from the posted hiring range based on factors such as relevant experience, time in role, base salary of internal peers, prior performance, business sector, licensure requirements and/or skill level, and will be finalized at the time of offer.

Company 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

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.

Shore United Bank is an Affirmative Action/Equal Opportunity Employer. Shore United Bank is an E-Verify participant.