VP, Loan Review Officer - Kansas City

US-KS-Overland Park

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Job Description


**This position can be located in either St. Louis or Kansas City

The Loan Review Officer will serve in a senior examiner role overseeing and participating in the examination of the Bank’s commercial loan, commercial real estate, mortgage, and consumer portfolios. In 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. 





Skills/Requirements

  • 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 structures. Completes analysis of financial information to identify current or potential problems in credit quality and potential portfolio risk. Recommends changes, if necessary.
  • Evaluates the adequacy of portfolio monitoring and accuracy of loan documentation for loans reviewed. Recommends changes.
  • Periodically perform as the Examiner-in-Charge (EIC) providing guidance and leadership to other examiners.
  • 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.
  • Prepare reports, which detail findings and recommendations. Submit examination results and discuss with Senior Management team.
  • 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. 

 KNOWLEDGE, SKILLS AND ABILITIES REQUIRED

  • Undergraduate and/or advanced degree in business administration, accounting, or finance preferred, or undergraduate degree with significant relevant experience.
  • BAI Loan Review Certification a plus.
  • Minimum 5-7 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. 
  • Working knowledge of spreadsheet, word processing, internet, email and presentation tools.
  • Knowledge of database software a plus.
  • Strong oral and written communication skills. Must 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.
  • Familiarity with GAAP and FASB guidelines
  • Ability to travel to other Enterprise Bank & Trust locations 

 

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