Loan Review Analyst I - Administration, Ridgeland, MS

General Position Statement:   The Loan Review Analyst I performs detailed full-scope and limited-scope loan reviews in order to recommend appropriate risk ratings based on the credit quality of loans reviewed and ensures lending practices conform to established loan policy.     Duties and Responsibilities:                    Review loan files of all credit types by performing regional and line-of-business loan reviews for the purpose of assessing adequacy of assigned risk ratings to ensure the watch list is accurate and the allowance for loan and leases losses is sufficiently funded.  Evaluate the activities of the lending personnel during each loan review to ensure loan officers are grading their credits accurately and timely.  Assess loan officers’ adherence to the bank’s lending policies and procedures and monitor compliance with banking laws and regulations.    Subsequent to the review of each relationship, assign an appropriate grade using the bank’s established guidelines and parameters and make risk grade changes when necessary.  Provide detailed reasons/rationale for assigning differing risk ratings, address findings with the appropriate individuals and recommend corrective action, if necessary, under the supervision of an experienced loan review analyst. Identify loans with well-defined weaknesses and describe deficiencies so that timely action plans can be implemented to minimize credit risk and loan losses.  The rationale for assigning adverse classifications must be communicated via detailed comments or loan write-ups that describe the make-up of the debt and explicitly points out the reasons for adverse classification. Identify any credit underwriting and loan documentation deficiencies, maintain current and appropriate loan review files on each credit/relationship and maintain an accurate list of financial and documentation exceptions determined during loan reviews.  Interact and communicate effectively with personnel at all levels of the organization during loan reviews.  Conduct loan discussions with loan officers to ensure all factual material related to the credits being reviewed is brought forward, understood, and considered in the risk rating process.  Perform daily reviews of bank generated reports, e.g., past dues and overdrafts, for any pertinent information with regard to the loan portfolio and potential exposure to the bank. Perform the assigned responsibilities with heavy guidance from either a Senior Loan Review Analyst or Director of Loan Review. Maintain a thorough knowledge of Bank products, services, policies, procedures and appropriate regulatory issues as related to daily job functions including but not limited to: Bank Secrecy Act; Privacy Act; Fair Lending Act; Regulation E, etc. Complete required compliance training and adhere to the Bank’s standard of conduct.   Secondary duties and responsibilities:   Assist in preparing loan review reports that convey the results of the review. Maintain knowledge of the bank’s lending policies and procedures, along with applicable laws and regulations. Perform additional job-related duties as assigned or required. Participate in special lending-related projects as directed.  Participation in the bank’s High-Performance Rewards program. Make referrals to the Mortgage Center and Wealth Management.   Position Requirements:   Bachelor’s degree Particular areas of experience required: Minimum 2 years as a loan review analyst, bank examiner, commercial credit analyst or commercial credit lender.  Previous Bank Plus product, services, and systems experience preferred. General computer and typing experience Microsoft Office Suite, to include Excel, Work, and Outlook. Driving, and occasional travel, as needed for business purpose. Excellent verbal and written communication skills. Work outside of regular business hours, as deemed necessary. Ability to handle multiple tasks.