Loan Review Analyst

First Financial Bank

Job Description

Job Title

Loan Review Analyst

Status

Hourly

Reports To

Manager – Loan Review

Summary

To learn to review loan documentation for accuracy and financial information, for repayment capacity, to assist in preparation of periodic reports on loan quality and reserve adequacy for all First Financial Corporation banks.

Typical Job Entry Requirements

(To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.)

• Bachelor’s Degree in Finance or Accounting required.
• Two plus years of loan review or credit analyst experience is preferred
  
  

Primary Activities

(Essential Duties and Responsibilities include the following. Other duties may be assigned. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.)

• Review loans for the purpose of determining compliance with bank policies, including proper credit approval, compliance with all applicable laws and regulations, adequacy of loan documentation, and credit risk.
• Analyze financial strength of customers relating to financial condition, repayment ability, and management capabilities.
• Review loan documentation for completeness, accuracy, compliance with policy.
• Effectively communicate with loan officers / management to ensure accuracy and understanding of findings.
• Make suggestions to strengthen The Bank’s position; point our weaknesses, deviation from loan policy or loan approval, trends, documentation deficiencies, etc.
• Prepare and present written / oral reports as necessary.
• Perform field work at affiliate banks as needed.
• Perform real estate valuation duties as needed.
  
  

Competency / Skill Level

(The behaviors, knowledge, and motivations important to success in the job.)

• Written and Oral Communication Skills
• Initiative
• Customer Service Orientation, Problem Assessment and Solving Skills
• Attention to Detail
• Analytical Thinking Ability
• Technical/Professional Knowledge
  
  

Key Behaviors

• Provides Proper Telephone Etiquette to Internal/External Customers
• Services Internal/External Customer Requests/Inquiries
• Reviews Required Documentation for Accuracy and Completeness
• Personal Development as Established with Manager
  
  

Bank Secrecy Act

• Maintain sufficient knowledge and understanding of the Bank Secrecy Act, Anti-Money Laundering/Anti-Terrorist Financing/PATRIOT Act and OFAC regulations
• To be able to fulfill applicable requirements and responsibilities under the bank’s related policies and programs.
  
  

Critical Job Elements

(Essential duties and responsibilities include the following. Other duties may be assigned. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.)

• Generally good working environment with little exposure to noise, extreme temperatures or other adverse factors.
• Limited physical effort required.
• Above average amount of pressure to work efficiently and accurately.
• Considerable effort and eye strain from continued checking on the accuracy of all work leaving department.
• Above average mental effort consisting of beyond normal levels of concentration, memory, complexity of decision making, time pressure, analytical thinking.