Loan Review Analyst

Loan Review Analyst

The Loan Review Analyst is responsible for conducting independent, in-depth evaluations of the Bank's commercial loan portfolio to assess credit quality, risk rating accuracy, and compliance with internal policies and regulatory standards. Additionally, the role contributes to the continuous enhancement of loan review methodologies and collaborates cross-functionally with credit, lending, and risk management teams to support sound credit decision-making and portfolio management. This role requires a strong foundation in financial and/or credit analysis and commercial lending, along with the ability to identify emerging risks and trends across various industries and loan types.

Responsibilities

• Conducts routine reviews of diverse loan portfolios, including commercial, equipment, SBA, mortgage, HELOC, and participations, to evaluate asset quality, documentation completeness, and adherence to internal policies and regulatory standards.
• Consolidates review findings and supporting analyses into clear, concise executive summaries for use by senior management and examiners.
• Monitors the overall credit health of the loan portfolio, identifying shifts that may warrant changes in lending practices or reclassification of assets.
• Evaluates internal lending processes such as loan approvals, policy exception tracking, supervisory loan-to-value limits, underwriting practices, covenant monitoring, internal controls, concentration risk reporting, and ALLL methodology.
• Validates the accuracy, completeness, and quality of loan documentation and financial analysis supporting credit decisions.
• Assesses the adequacy and effectiveness of the bank's loan policy, recommending updates as needed.
• Interprets findings and documents conclusions on problem loans; reviews management and resolution strategies, including the effectiveness of loan workout plans.
• Provides consultative support to loan officers, lending staff, auditors, and examiners by clarifying loan and borrower details, facilitating collaborative discussions to align perspectives, educate stakeholders, and enhance decision-making through shared insights.
• Contributes to various lending-related initiatives and projects as assigned, supporting strategic goals, process improvements, or regulatory requirements.
• Performs additional duties as assigned or required.

Qualifications

• Bachelor's Degree in business or related field required. Strong preference for Finance or Accounting major or concentration; however, equivalent work experience may substitute for a different academic focus.
• 2 to 4 years of experience in loan review, financial analysis, credit review, or financial examinations (e.g., with regulatory agencies or supervisory bodies) required.
• Demonstrated knowledge across various loan types, but special emphasis on non-owner occupied commercial real estate and C&I borrowers.
• Excellent verbal, written and interpersonal communication skills.
• Excellent PC skills, including word processing and spreadsheets via Microsoft Office products as well as custom applications and systems.
• Demonstrated ability to translate complex data into clear, actionable reports for upper management.
• Excellent analytical, time management, organizational and problem-solving skills with the ability to multi-task and work in a deadline-driven environment.
• Must be self-motivated with strong initiative, accountability, and attention to detail.

The above statements are intended to describe the general nature and level of work being performed by individuals in, or assigned to, the above position and are not intended to be construed as an exhaustive list of all responsibilities, duties and skills required, and may be changed at the discretion of the Company.

About Us

PlainsCapital Bank was founded in 1988 by a group of young bankers who dreamed of bringing relationship banking to their hometown of Lubbock, Texas. With the acquisition of Plains National Bank, a Lubbock financial institution with one branch and approximately $198.8 million in assets, they began growing the bank one relationship at a time.

Over 30 years later, PlainsCapital Bank has held fast to its tried-and-true relationship-based culture and its commitment to financial strength and stability. PlainsCapital Bank ranks sixth among the largest banks headquartered in Texas by deposits and has a statewide presence with approximately 55 locations in markets such as Austin, the Coastal Bend, Dallas, Fort Worth, Houston, Lubbock, the Rio Grande Valley, and San Antonio. Backed by decades of experience, our knowledgeable bankers are renowned for their straightforward approach and for taking exceptional care of their clients. They bring both financial and industry expertise along with vast local market knowledge to each client relationship.

PlainsCapital Bank conducts both commercial and consumer banking, providing a full suite of commercial banking products and services to fit any business model and convenient services, personal attention, and account features to help simplify managing personal finances.

PlainsCapital Bank continues to remain strong and stable, delivering highly personalized service and a single point of contact to help customers reach their financial goals.

To learn more, please visit us online at plainscapital.com/about.

Job Info

• Job Identification 31626
• Job Category Legal, Compliance & Audit
• Locations 325 N Saint Paul St, Dallas, TX, 75201, US
• Business Unit PlainsCapital Bank