POSITION SUMMARY: Assists in maintaining consistent and acceptable loan quality by performing loan reviews, loan grading, and maintaining adequate processes for effective credit analysis.

POSITION RESPONSIBILITIES: General Job Functions

• Administers the Bank's Loan Review Program as detailed in the Bank's Loan Policy and Credit Risk Review Policy.
• Recommend updates to Loan, Credit Risk Review and Highly Leveraged Loan Policies to the CRO as warranted.
• Responsible for reviewing loan documentation, financial documentation, appraisals, and repayment histories to determine the borrower's continued ability to repay loans. Discusses concerns with the loan officer and CRO.
• Perform annual penetration of loan portfolio review as well as new loan reviews as required by policy
• Assign grades/risk codes to new loans and changes grades/risk codes to existing loans based on Loan Review Policy. Provides quarterly reports to CRO.
• Ensures Regulation O as detailed in regulatory requirements and Bank's Loan Policy is adhered to. Works with CRO to provide annual reports and training to the Board of Directors.
• Provide monthly Board reports to CRO and quarterly reports to the Board of Directors.
• Ensures process is in place to request current financial and tax returns on existing borrowers as required by Loan Policy. Works closely with lenders to ensure timely receipt.
• Monitors loans to ensure all remain within bank's legal lending limit.
• Works closely with CRO to solve loan related problems. Utilizing the expertise of all to make sure risk to the bank is taken into consideration when working out problems and making process changes.
• Provides CRO, External and Internal Auditors, Board of Directors, and Examiners with documentation and other requested data.
• Be a team player willing to take on any special projects and assist other employees as needed.
• Provides the Synergy Bank standard of excellence in customer service.
• Maintain honesty and the highest level of ethical standards.

REQUIRED QUALIFICATIONS:

• Knowledge of Bank policies, pertinent regulations, local economy, and customer base
• Analytical ability including financial statement analysis.
• Ability to communicate professionally and effectively both verbally and in writing.
• Ability to evaluate the soundness of the Loan Portfolio
• Ability to review loan relationships in detail to detect potential credit exposure.
• Ability to work independently and as part of a team.
• Ability to self-motivate, organize, and prioritize daily tasks.
• Proficiency in Microsoft Word and Excel
• Ability to pay close attention to detail.
• Ability to comprehend and analyze information to draw a conclusion.
• Ability to organize and prioritize daily tasks.
• Ability to present a business professional appearance.

EDUCATION AND EXPERIENCE REQUIRED:

• Bachelors degree in business or finance OR equivalent experience

EDUCATION AND EXPERIENCE PREFERRED:

• Master of Business Administration
• 10 Years of Experience in similar job functions

COMMUNICATION:

• Must be able to provide information to supervisors, co-workers, and customers both verbally and in written format.

PHYSICAL REQUIREMENTS:

• Must be able to work at a computer station in front of a monitor for up to 4 hours at a time without the opportunity for a break.
• Must be able to interact with the public utilizing various methods of communication.
• Employees may be required to squat and remain in that position for short periods of time while searching for and/or reaching for files and supplies at ground level. This could occur as few or as many times as necessary to accomplish the required task.
• Must be able to lift and carry approximately 10-15 pounds multiple times throughout the day.
• Occasional travel may be needed.

MENTAL REQUIREMENTS:

• Must have the attention span to stay alert and attentive during a normal 8-hour workday.
• Must be able to follow instructions and procedures exactly as trained or directed by his or her supervisor.
• Must be able to listen to, grasp, and respond positively to supervision and instructions by Management.
• Physical and cognitive ability to perform the essential duties and functions of his/her job.

EQUAL OPPORTUNITY EMPLOYER / VETERANS / DISABLED