Loan Review Analyst

Loan Review AnalystThe Loan Review Analyst provides independent, objective evaluations of the Bank's commercial, agricultural, and consumer loan portfolios to assess credit quality, risk grading accuracy, documentation compliance, and adherence to lending policy and regulatory expectations. This role supports sound credit risk management by identifying emerging risk trends, validating credit administration practices, and providing timely reporting to management and the Directors' Loan Committee.The Loan Review role is a key position, independent of loan origination and underwriting, and plays a critical role in regulatory compliance, problem loan identification, and overall safety and soundness.Primary Responsibilities and Duties:Loan Review & Credit Risk Assessment:Independently conduct comprehensive reviews of higher-risk, complex, or material loan relationships, including:Commercial and agricultural creditsCriticized and classified assetsConcentrations and portfolio segments of heightened riskEvaluate credit structure, underwriting quality, borrower performance, collateral adequacy, covenant compliance, and policy adherencePerform in-depth financial analysis, cash flow testing, and stress considerations where appropriateExercise independent judgment in validating or challenging risk ratings and regulatory classificationsCredit Risk Grading & Classified Asset Monitoring:Validate internal risk ratings and recommend changes when warrantedIdentify and track Watch, Special Mention, Substandard, Doubtful, and Loss creditsPrepare the monthly Classified Asset Report for senior managementMonitors overdrafts to ensure timely charge offReporting & Communication:Prepare periodic loan review summary reports and memoranda for management and the Directors' Loan Committee (e.g., quarterly loan review summaries)Communicate findings professionally and constructively with lenders, credit administration staff, and senior managementSpecial Reviews & Projects:Perform targeted or special-purpose reviews, including:Loans pledged to the Federal Reserve or other funding sourcesConcentration or industry-specific reviewsConsumer loan portfolio reviews, as neededRegulatory or examiner-requested loan reviewsAttend Management Loan Committee or other credit-risk forums and participate as requestedQualifications:Education & Experience:Bachelor's degree in finance, accounting, business, agriculture economics, or a related field3-5 years of banking experience in loan review, credit analysis, underwriting, or credit administrationExperience reviewing commercial or agricultural credits within a community or regional bank is preferredKnowledge & Skills:Strong understanding of credit risk analysis, financial statement interpretation, and cash flow assessmentWorking knowledge of regulatory loan classifications, criticized asset management, and lender responsibility standardsAbility to apply professional skepticism and independent judgmentExcellent written communication skills suitable for examiner and Board-level audiencesProficiency with loan systems, document imaging platforms, and Microsoft Excel and WordCore Competencies:Must be capable of exercising highest level of discretion on both internal and external confidential mattersIndependence and objectivitySound judgment and discretionProfessional skepticismAttention to detailAbility to communicate findings diplomaticallyWorking Conditions:Either office-based or remote with periodic meetings, examinations, and report deadlines. If working remotely, a qualified candidate must be able to come to the main office monthly.Occasional extended hours may be required during examination or reporting cycles