Loan Review Officer

Basic Function:

Provide fee income from loan portfolio consulting service; assess lending and loan administration of prospective and existing customer financial institutions to aid in early detection of potential problem loans.

 

Major Duties / Responsibilities:

Primary Duties:

1.  Evaluate loan quality and prepare detailed, concise reports for client?s use.

2.  Evaluate the quality of individual loans within the TIB portfolio to assist in timely identification of problem loans and support early identification of potential problem loans.

Specific Responsibilities:

1.  Market services to financial institutions, conduct customer calls, and assist in the preparation of proposals and contracts to fulfill the needs of customers.  Cross-sell other TIB services and products to existing customers.

2.  Analyze loan quality; evaluating financial capacity of borrowers through review of financial statements and cash flow; assess terms and structure in comparison to lending policy and accepted standards; review documents which create and perfect the bank?s security interest, and determine collateral support with realistic assessments.  Evaluate the level of past due and nonperforming loans and assets to draw conclusion for overall portfolio quality; present conclusions and suggested grade changes in a professional manner.

3.  Assess the quality of loan administration by evaluating underwriting, internal systems for documentation receipt and reporting, and internal identification of potential or problem loans.

4.  Assess the adequacy of the reserve for loan losses through historical analyses, current assessment of the overall loan portfolio quality and noted weaknesses in loan administration.

5.  Present conclusions and findings in detailed, concise oral presentation and written report.  Provide well-defined solution or recommendations for noted deficiencies.  Written reports should provide adequate information of overall review findings. 

6.  Attend TIB loan committee meetings when available.

7.  Provide support to both fee customers and TIB loan officers regarding regulatory guidelines, by staying abreast of policy issuances and analyzing regulatory examination reports.

8.  Perform TIB loan reviews, detailing the support for the assigned ratings, assessment of exposure, and identify loan documentation and policy exceptions.

9.  Have a good understanding of the loan review policy and procedure guidelines.

10.  Keep abreast of applicable lending issues and regulations.

11.  Assist in marketing of TIB and TIBSCO products and services to financial institutions, to include customer calls, and assist in the preparation of loan review proposals and contracts.

12.  Perform other duties assigned by management.

 

Requirements / Desired Qualifications:

?  Four year degree - accounting/finance preferred

? 3-5 years lending/loan administration experience

?  Prefer prior regulatory experience

?  Good knowledge of the computer

?  Willingness to travel (at least 70-75%)

?  Regular and punctual attendance is required

?  Individual should possess good interpersonal skills.

?  Individual should be able to work within a team environment.

?  Ability to communicate effectively

 

Software:

MS Excel

MS Word