Job details
Job type full-time
Full job description
Summary:
The vp, loan review officer will serve in an examiner role participating in the examination of the bank’s commercial loan, commercial real estate, and specialized lending unitsIn this role, you will manage and maintain the integrity of our risk management functions by ensuring that acceptable credit standards are maintained and that loans conform to established bank policy and procedures, as well as regulatory requirements.
Essential duties and responsibilities:
Conducts independent and objective review of loan underwriting practices, approvals, monitoring activities, and credit administration procedures.
Reviews borrower relationships to develop an assessment of loan repayment ability; validating that the risk rating and perception of risk is accurate.
Evaluates appropriateness of loan structuresCompletes analysis of financial information to identify current or potential problems in credit quality and potential portfolio riskRecommends changes, if necessary.
Evaluates the adequacy of portfolio monitoring and accuracy of loan documentation for loans reviewedRecommends changes.
Build and maintain relationships with commercial relationship officers while contributing guidance for areas that require further development.
Recommends loan process or policy changes to the loan review manager, based on portfolio assessment.
Identify process gaps and inefficiencies in loan review and recommend/implement changes to address them.
Periodically perform bank-wide portfolio analysis identifying trends and/or concentrations in industry groups, loan products, and collateral dispersion.
Qualifications:
Thorough knowledge of commercial lending, including c & i (commercial and industrial) lending and cre (commercial real estate) lending
Strong oral and written communication skillsMust be able to concisely and clearly express opinions, observations and recommendations in a confident manner.
Must be able to read & interpret financial statements and determine relevant credit risk
Must be able to work effectively with personnel at all levels.
Ability to travel to other enterprise bank & trust locations
Supervisory responsibilities:
None
Education and/or experience:
Undergraduate and/or advanced degree in business administration, accounting, or finance preferred, or undergraduate degree with significant relevant experience.
Minimum five to seven years’ experience as, or in combination of, a loan review officer, loan officer, regulatory examiner, senior credit or financial analyst.
Formal bank credit training preferred.
Familiarity with gaap and fasb guidelines
Computer and software skills:
Skilled in operation of a personal computer, including microsoft word and excel.
Knowledge of database software a plus.
Certificates, licenses and registrations:
Risk management association’s crc (credit risk certification) or bai loan review certification a plus.
Equal opportunity statement
Enterprise bank & trust is committed to helping individuals with disabilities participate in the workforce and ensuring equal opportunity to apply and compete for jobsIf you need an accommodation in order to apply for a position at enterprise bank & trust please contact human resources at hr@enterprisebank.com .
Enterprise bank & trust is committed to managing our business and community relationships in ways that positively impact our associates, clients, and the diverse communities where we work and liveWe are proud to be an equal opportunity employerAll qualified applicants will receive consideration for employment without regard to age, race, color, religion, sex, national origin, sexual orientation, gender identity or protected veteran status and will not be discriminated against on the basis of disabilityAll employment offers are contingent upon the applicant successfully completing both drug and background check screeningsIf you would like more information about your eeo rights as an applicant under the law, please download the equal employment opportunity is the law poster here .
