What are the responsibilities and job description for the Loan Review Analyst position at Texas Bank?
SUMMARY:
The Loan Review Analyst is responsible for assessing and managing the quality and risk of the bank’s loan portfolio. This role is responsible for evaluating individual loans for compliance with credit policies and regulatory standing, analysing portfolio risk trends, and recommending strategies to mitigate potential risks. Additional responsibilities entail collaboration with stakeholders, preparing detailed reports for senior management, and ensuring adherence to lending practices and regulatory requirements.
JOB DUTIES AND ESSENTIAL FUNCTIONS:
Review and assess the risk profile of the bank's loan portfolio, identifying potential weaknesses or concentrations.
Conduct ongoing credit risk monitoring and recommend strategies to mitigate risks.
Prepare detailed reports on portfolio trends, performance metrics, and risk exposure.
Examine individual loans for compliance with internal credit policies, regulatory requirements, and sound lending practices.
Assess the adequacy of loan documentation, collateral valuations, and underwriting standards.
Identify loans that exhibit signs of deterioration and recommend corrective actions.
Ensure adherence to banking regulations and credit policies in all lending activities.
Assist in preparing for audits and regulatory examinations by providing accurate and timely documentation.
Prepare comprehensive risk assessment reports for senior management and lending committees.
Present findings, highlight areas of concern, and recommend solutions to improve loan quality and mitigate risk.
Work closely with loan officers, credit analysts, and other stakeholders to ensure clear understanding and application of risk management strategies.
Provide guidance on improving underwriting practices and portfolio management techniques.
Perform other duties and special projects as assigned.
WORKING CONDITIONS:
Air-Conditioned work environment.
Consistent and timely attendance is required to ensure uninterrupted operational efficiency and exemplary service delivery.
PHYSICAL DEMANDS:
Sit for extended periods of time.
Walk, stand, bend, squat, twist, and reach.
Simple grasping and fine manipulation.
Extended keyboarding.
Qualifications
MINIMUM REQUIREMENTS:
Bachelor’s degree in Finance, Accounting, Business Administration, Economics or a related field.
3-5 years of related experience in loan review, credit analysis, or a related role within the banking industry.
Strong understanding of lending practices, risk management principles, and regulator requirements.
Proficiency in financial analysis, credit assessment, and data interpretation.
Excellent verbal and written communications skills.
Proficiency in Microsoft Office Applications including Excel, PowerPoint, and Word.
Ability to conduct independent and objective reviews of loan and credit practices.
Flexibility to handle a variety of tasks and special projects as assigned, adapting to changing priorities, deadlines, and regulatory environments.
Strong ability to work with others effectively.
PREFERRED REQUIREMENTS:
Experience working with commercial, real estate, or small business loans.
Familiarity with portfolio management tools and credit risk modelling techniques.
Exhibit strong knowledge of the Bank’s lending policies and procedures.
Disclaimer: This job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee. Duties, responsibilities, and activities may change, or new ones may be assigned at any time with or without notice.
We are an Equal Opportunity Employer
TexasBank is committed to providing equal employment opportunities regardless of race, creed, color, religion, alienage or national origin, ancestry, citizenship status, age, disability or handicap, sex, marital status, veteran status, sexual orientation, genetic information, arrest record, or any other characteristic protected by applicable federal, state or local laws. This policy applies to all terms and conditions of employment, including, but not limited to, recruiting, hiring, placement, promotion, compensation, benefits, training, disciplinary actions, layoff, recall, transfer, leaves of absence, and termination. Employees with questions or concerns about any type of discrimination in the workplace are encouraged to bring these issues to the attention of Human Resources.
