CRE Loan Review Associate

General Summary:

Responsible for internal loan review of the CRE portfolio of the bank.

Essential Duties and Job Responsibilities:

1.   Responsibilities include but are not limited to:  
   1. Annual gathering of financial statements and rent rolls for CRE loans
   2. Collaborating with the lending staff to validate financing terms and borrower repayment ability
   3. Analysis of continued financial support including
      1. Debt service covenant testing
      2. Changes to market/property type that may affect collateral value
      3. Changes in vacancy rates
      4. Changes in Cap rates
   4. Validation of current Risk Rating
   5. Updating data fields related to stress testing
   6. Updating data fields related to the pledged collateral for the FHLB
   7. Monthly monitoring of RE concentration levels relative to bank limits and regulatory thresholds
   8. Property site visits when warranted
   9. Keeping abreast of industry and regulatory trends and applying said trends to review/analysis
   10. Annual credit review of owner occupied mortgages for C&I lending relationships as needed
   11. Presenting review findings and conclusions to various committees on a quarterly basis
   12. Other duties / projects as assigned by the CCO

EDUCATION, CERTIFICATION, EXPERIENCE:

A minimum of five years of comparable bank experience. 

1. Track record of effectively communicating and collaborating in a team environment. 

KNOWLEDGE, SKILLS, ABILITIES:

1. Confidentiality - This position requires a high level of confidentiality. This position has access to customer's financial information and personal information. 
2. Communication- This position has a will have contact with the public and departments. Must be able to communicate effectively. 
3. Multitasking/Sound Judgment- Needs the ability to multitask, quick and accurate decisions and be organized.        Decisions need to be made in the best interest of the bank while mitigating any risk to loss.  Must be able to handle various processes at the same time.  
4. Computer Skills/Technology- This position requires a high volume of computer usage, including core systems, vendor sites, etc.  Should be familiar with copier/scanner/shredder equipment.  

WORK ENVIRONMENT:

1. Flexibility to work additional hours including nights, weekends and holidays, as required.
2. Typically the noise level in the work environment is low to moderate.
3. Will have high volume of interactions in person and over the telephone. 
4. Fast-paced environment.
5. May experience occasional job stress in response to job demands.   
6. There are no significant hazardous conditions. 

PHYSICAL DEMANDS:

1. Frequently required to sit for prolonged periods of time.
2. Normal range of vision, speech and hearing abilities required.
3. Mobility required greeting and assisting employees and visitors.
4. Frequently required to skillfully operate a computer, telephone and other standard office   equipment.
5. Travel between all locations of the bank.
6. Occasionally travel outside of work location to attend meetings and training programs.
7. Occasionally lift and/or move up to 20 pounds. 

Special Note:

External and internal applicants, as well as position incumbents, must be able to perform the essential job functions as set forth above.  Orange Bank and Trust Company is committed to a policy of Equal Employment Opportunity and will not discriminate against an applicant or employee on the basis of age, sex, sexual orientation, race, color, creed, religion, ethnicity, national origin, alienage or citizenship, disability, marital status, military or veteran status or any other legally-recognized protected basis under federal, state or local laws, regulations or ordinances.

Upon request, individuals with disabilities may be entitled to a reasonable accommodation. A reasonable accommodation is a change in the way things are normally done that will ensure an equal employment opportunity without imposing an undue hardship on the bank.  Please inform the Human Resources Department if you need assistance completing any forms or to otherwise participate in the application process or, at the appropriate time, to perform the essential functions of the job.  

This job description in no way states or implies that these are the only duties to be performed by an employee.  Additional functions and requirements may be assigned by supervisors as deemed appropriate, based on the employee’s knowledge, skill and ability as well as his/her mental and physical abilities.