If you are looking for a job that combines a passion for finance, an opportunity for growth, and a culture of teamwork, then you've come to the right place. We have an exciting opportunity awaiting someone like you!

The Loan Review Officer II is a staff-level position which is responsible for ongoing evaluation and review of the Bank's commercial loan portfolio quality and for measuring compliance with established policies, regulatory guidelines and sound lending practices; provides bank management with an evaluation of the risk and collectability associated with the commercial loan portfolio, as well as the stability of lending practices and activities.

Loan review is the perfect place to learn about our credit culture. Within their own reporting structures, teams are spread out across our footprint; however, there is collaboration within the teams and across our large department. From your peers to senior leaders, everyone is available when you want to share ideas or ask questions. We practice "disciplined growth through measured risk". Effort and performance are rewarded.

• You'll verify risk grades to individual loan relationships after analyzing the borrower's capacity to repay debt and after discussions with Loan Review Manager, Relationship Managers, and senior leaders regarding this analysis.
• You'll assist with continuous review of credit risk, special projects, and due diligence of potential bank acquisitions, as necessary.
• You'll help prepare written reports directed to lending department management, senior credit administration personnel, the Chief Credit Officer, and executive management.
• You'll review criticized loans, including assessing collateral adequacy and making recommendations based on potential shortfalls and losses. Loan Review leaderships will judge the accuracy of the recommendation.

The required level of knowledge is normally acquired through completion of a Bachelor's Degree in Finance or Accounting and 3+ years' experience in loan review and analysis; or 8 + years of equivalent work related experience.

• Thorough knowledge of accounting principles, banking regulations, and Uniform Commercial Code.
• Thorough knowledge and understanding of financial analysis including ratio, trend and cash flow analysis.
• Thorough knowledge and understanding of credit underwriting, commercial lending policy and procedures and loan documentation requirements.
• Good oral and written communications skills to prepare persuasive oral and written reports.
• Excellent PC and spreadsheet software skills