Senior Loan Review Analyst - Admin, Ridgeland, MS

At BankPlus, we strive to add value for our employees, customers and shareholders. We are a high-performing TEAM committed to fulfilling promises, building lasting relationships, and making dreams come true.

All current employees must have a performance rating of Outstanding or High-Performing to be eligible to post for a position.


General Position Scope:

To assist the Director of Loan Review in the day-to-day responsibilities of overseeing the Loan Review function, more specifically, the team’s responsibility of monitoring asset quality and influencing the bank’s credit culture through the review of the loan portfolio to ensure credits are appropriately risk rated or adversely classified when potential credit weaknesses exist so that timely action can be taken and credit losses minimized; to provide management with accurate and timely credit quality information for financial and regulatory reporting purposes, including the determination of an appropriate loan loss reserve; and to ensure lending practices conform with the bank’s established loan policy.

Primary Duties and Responsibilities:

• Review loan files of all credit types by performing regional and line-of-business loan reviews for the purpose of assessing adequacy of assigned risk ratings to ensure the watch list is accurate and the allowance for loan and leases losses is sufficiently funded.
• Evaluate the activities of the lending personnel during each loan review to ensure loan officers are grading their credits accurately and timely. Assess loan officers’ adherence to the bank’s lending policies and procedures and monitor compliance with banking laws and regulations.
• Subsequent to the review of each relationship, assign an appropriate grade using the bank’s established guidelines and parameters and make risk grade changes when necessary. Provide detailed reasons/rationale for assigning differing risk ratings, address findings with the appropriate individuals and recommend corrective action, if necessary.
• Identify loans with well-defined weaknesses and describe deficiencies so that timely action plans can be implemented to minimize credit risk and loan losses. The rationale for assigning adverse classifications must be communicated via detailed comments or loan write-ups that describe the make-up of the debt and explicitly points out the reasons for adverse classification.
• Identify any credit underwriting and loan documentation deficiencies, maintain current and appropriate loan review files on each credit/relationship and maintain an accurate list of financial and documentation exceptions determined during loan reviews.
• Interact and communicate effectively with personnel at all levels of the organization during loan reviews. Conduct loan discussions with loan officers, and when necessary senior management, to ensure all factual material related to the credits being reviewed is brought forward, understood, and considered in the risk rating process.
• Perform daily reviews of bank generated reports, e.g., past dues and overdrafts, for any pertinent information with regard to the loan portfolio and potential exposure to the bank.
• Provide assistance and consultation to loan officers, other lending personnel (loan administration, lending relationship specialists, support staff, etc.), auditors, and regulatory examiners with loan review related functions.
• Lead all types of loan reviews, present findings to every level of management and prepare loan review reports that convey the results of the review. Such reports will address asset quality of the portfolio examined, identify documentation/credit exceptions, describe underwriting deficiencies, make recommendations for improvement and note any other observations that should be brought to management’s attention.
• Assist in the development of loan review policies and procedures. Maintain knowledge of the bank’s lending policies and procedures, along with applicable laws and regulations.
• Provide on-the-job training and guidance for Loan Review analysts regarding credit evaluation techniques and specific bank systems necessary for the officer to complete an accurate assessment of individual credits and preparation of loan review reports.
• Perform the assigned responsibilities with little or no guidance from the Director of Loan Review.
• Maintain a thorough knowledge of Bank products, services, policies, procedures and appropriate regulatory issues as related to daily job functions including but not limited to: Bank Secrecy Act; Privacy Act; Fair Lending Act; Regulation E, etc. Complete required compliance training and adhere to the Bank’s standard of conduct.
• Participate in special lending-related projects as directed.
• Perform additional job related duties as assigned or required.
• Participation in the bank’s High-Performance Rew