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Senior Loan Review Analyst

2 months ago

Johnstown, Pennsylvania, United States AmeriServ Financial Full time

SUMMARY OBJECTIVE:


Contribute to the Loan Review Program as designated, aiming to mitigate loss impacts, evaluate the integrity of the bank's loan portfolio, and ensure compliance with established lending policies and quality standards.

This role primarily involves independent execution of tasks requiring a solid understanding of financial data and the capability to conduct and interpret financial analyses (e.g., liquidity, leverage, cash flow coverage) pertaining to businesses and individuals. The core responsibility of this position is to oversee the institution's current loan portfolio.

ESSENTIAL FUNCTIONS:

  • Achieve the goals outlined in the loan review policies and procedures.
  • Generate precise analyses (review format) of current borrowers from an impartial viewpoint to validate the accuracy of risk ratings. This encompasses evaluation and interpretation of liquidity, leverage, and operational metrics; computation and discussion of cash flow coverage; and consideration of management, industry, rent roll, and collateral.
  • Conduct ongoing assessments of all loan types and commitments in alignment with Loan Review policy requirements to classify loans, ascertain the level of attention needed, and identify actual and potential credit issues promptly.
  • Supervise overall and specific loan portfolios for significant operational changes, underwriting, credit quality, and performance of relationship managers, reporting and discussing findings with the supervisor.
  • Compile assigned monthly and quarterly reports, graphs, and memos, some of which are disseminated internally and/or to the bank's loan committees and Audit Committee.
  • Assist department colleagues with the preparation of various evaluations or other tasks as requested.
  • Adhere to established deadlines.
  • Engage in discussions and provide guidance to relationship managers regarding specific loan scenarios as necessary.
  • Propose modifications to existing procedures and note significant trends when required.
  • Update procedures and suggest changes to loan review policies as necessary.
  • Keep the supervisor informed about the progress of reviewed loans and any potential problem loans or situations.
  • Verify the accuracy of management reports utilized in the respective lending departments.
  • Maintain sufficient contact with peer banks and relevant government banking agencies to stay informed about the latest innovations and requirements in the Loan Review function.


This job description is not intended to be an exhaustive list of activities, duties, or responsibilities required of the employee for this position. Duties, responsibilities, and activities may change at any time with or without notice.

SUPERVISORY RESPONSIBILITY:
This position does not entail supervising employees.

WORK ENVIRONMENT:
This role operates within a professional office setting. Standard office equipment such as computers, phones, photocopiers, filing cabinets, and fax machines are routinely used.

PHYSICAL DEMANDS:
The employee is frequently required to: 1) type or otherwise engage with fingers; 2) communicate verbally, conveying detailed or important oral instructions to other workers or clients accurately and effectively; 3) hear, perceiving sounds at normal speaking levels with or without correction, and receive detailed information through oral communication; and 4) see, with abilities including viewing a computer monitor and extensive reading.

Sedentary work may involve occasionally lifting up to 10 pounds and/or moving up to 25 pounds. This role primarily involves sitting, with some walking.

TRAVEL:
No travel is required except for potential training and/or conferences.

COMPETENCIES:

  • Strong proficiency in communication (oral and written)
  • Excellent interpersonal skills
  • Robust analytical abilities
  • Detail-oriented
  • Independent judgment
  • Effective time management
  • Ability to manage multiple tasks
  • Ethical conduct

EDUCATION, EXPERIENCE, AND TRAINING:


A bachelor's degree in accounting, finance, business, or a related field with coursework in accounting (at least intermediate level), finance, and economics.

A minimum of four years of banking experience (specifically in loan review, credit analysis, or business banking/commercial lending) or similar equivalent experience is required.