Commercial Credit Review Officer
2 weeks ago
Description
Job Summary
The Loan Review Officer is responsible for performing a variety of loan review activities which aid in the evaluation of Northwest's commercial loan portfolio including collecting loan and information system data, analyzing documentation and financial data, and establishing account risk ratings. The Loan Review Officer will be responsible for providing the Loan Review Manager with objective evaluations of the overall credit quality of the Bank as included from time-to-time compliance with policies and procedures and other portfolio trends including geographic concentrations, climate risk and emerging credit risks.
Essential Functions
Ensure document and data integrity
Identify and resolve problems/issues
Prepare various loan reports
Report loan related exceptions
Recommend opportunities for improvements to review process
Assist with Classified Assets preparation for Credit Committee
Recommend loans reviewed for collateral reevaluation
Recommend loans reviewed for non-accrual status
Identify potentially impaired loans and "troubled debt restructurings"
Detect common themes & emerging risks
Continue professional education
Review sampled commercial loan relationships
Gather and analyze loan related financial information
Identify and record exceptions
Identify early signs of loan problems
Analyze financial performance of Obligor
Formulate credit risk level
Compile and present loan review reports
Present information clearly
Prepare loan review finds report
Perform annual credit quality reviews for relationships over $1,000,000
Confirm or amend risk rating as appropriate
Complete/update Loan Review Summaries for relationships over $1,000,000
Facilitate completion of quarterly credit reports
Conduct pre-reviews of all credits be presented to Regional/SL Committees
Produce reports and statistics as required
Communicate with the lending staff and identifying problems as appropriate
Recommend improvements to procedures/process internal controls
Develop customer service levels
Maximize technology tools available
Minimize departmental non-payroll costs
Execute loan review strategy as defined by Loan Review Manager
Perform target loan reviews based on emerging risk factors
Facilitate monthly reporting of progress and emerging risk factors
Evaluate effectiveness of credit policies and procedures, identify weaknesses, provide suggestions for strengthening
Be a resource for Credit Administration, Commercial Lending, Loan Servicing, Line of Business Managers, Compliance, and Internal Audit
Ensure compliance with Northwest's policies and procedures, and Federal/State regulations
Navigate Microsoft Office Software, computer applications, and software specific to the department to maximize technology tools and gain efficiency
Work as part of a team
Education and Experience
Bachelor's Degree in Accounting / Business preferred
5+ years' experience in credit analysis, credit/loan review or commercial lending required
Ability to apply advanced financial analysis techniques required
Location
This position may be performed in a hybrid capacity across our footprint or remotely.
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Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)
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