Loan Review Analyst I

What The Role Is

Review less complex assigned loans to ascertain quality of loan portfolio in a given market, line of business, or portfolio sector. Reviews compliance with loan policy and regulatory requirements. Consults with higher level loan review officers to complete reviews, if needed. Provides effective communication of findings to lending staff, bank management and loan review management.

How You will Make an Impact

● Conducts a systematic review of less complex assigned loans to measure underwriting adequacy, soundness of loan administration policy, documentation adequacy, collateral evaluation, risk rating, and problem loan administration. All reviews should measure compliance with loan policy and regulatory requirements. Consults with senior loan review officers or management when necessary.

● Interacts, verbally or in writing, with lending and regional credit staff in conjunction with loan reviews. Works to resolve any discrepancies and disputes.

● Produces reports documenting review findings for presentation to senior management. Reports follow an established structure per department guidelines.

● Provides verbal presentations of review findings to appropriate audiences, primarily division management, lending staff, and regional credit management.

● Maintains a good working knowledge of lending policies and procedures to measure policy compliance during reviews. Stays informed on new loan products, industry trends and regulatory changes.

 

Who You Are

Required Qualifications:

● Minimum Education: Bachelor’s degree in Business Administration, Finance, Accounting or related discipline, or an equivalent combination of education and experience.

● Minimum Experience: 2 years of job specific experience.

Required Knowledge, Skills, and Abilities:

•  Understands how to identify, measure, control, and monitor risk in community and/or corporate banks.
•  Experience in credit analysis and familiarity with complex commercial loan documents.
•  Proficient in Excel, Word lending and risk analyst applications.
•  Strong verbal and written communication skills
•  Strong analytical, problem solving and organizational skills.

Competencies:

• Time Management: Uses his/her time effectively and efficiently; values time; concentrates his/her efforts on the more important priorities; can attend to a broader range of activities.
• Dealing with Ambiguity: Can effectively cope with change; can shift gears comfortably; can decide and act without having the total picture; doesn’t have to finish things before moving on to a different task.
•  Business Acumen: Knows how businesses work; knowledge in current and potential future policies, practices, trends, and information affecting his/her business and organizations; is aware of how strategies and tactics work in the marketplace.
•  Decision Quality: Makes a good decision based upon a mixture of analysis, wisdom, experience, and judgment.
•  Organizing: Can marshal resources, people, funding, material, and support to get things done; can orchestrate multiple activities at once to accomplish a goal; uses resource effectively and efficiently; arranges files in a useful manner.
•  Problem Solving: Uses logic and knowledge to solve difficult problems with effective solutions; probes all appropriate sources for answers.

Characteristics:

• Works cooperatively with others.
• Regular and reliable attendance.
  
  

*Remote positions are intended to be filled in states within our footprint, which includes: Alabama, Arkansas, Florida, Georgia, Louisiana, Mississippi, Missouri, Tennessee, and Texas.

If your experience aligns with this description, please consider applying.  Many skills are transferable among industries and a passion for the role and willingness to learn are important considerations.  We believe that a diverse workforce creates problem-solving and creative thinking, which is why we’re dedicated to adding new perspectives to the team and encourage everyone to apply.

The above statements are intended to describe the general nature and level of the work being performed by people assigned to this work. This is not an exhaustive list of all duties and responsibilities. Cadence Management reserves the right to amend and change responsibilities to meet business and organizational needs as necessary.

Cadence Bank is an affirmative action/equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, religion, color, national origin, sex, age, status as a protected veteran, among other things, or status as a qualified individual with disability.