GENERAL DESCRIPTION OF POSITION
The Loan Review Analyst II is responsible for assessing various risks to the bank within the loan portfolio. Loan review provides early identification for problem loans, the risk to capital and adherence to established loan policies.
ESSENTIAL DUTIES AND RESPONSIBILITIES
1.Promptly identify potential credit weaknesses in loans so that timely action can be taken to correct the problem, in order to further minimize loss.
2.Provide information to management to assist in determining the adequacy of the allowance for Loan Loss Reserve.
3.Reviews and assesses current collection policies and procedures to ensure compliance with applicable laws and regulations.
4.Assess the adequacy and adherence to internal credit and loan administration policies and procedures.
5.Monitor changes and updates to all relevant loan and credit regulations and banking laws.
6.Evaluate the activities of lending officers and loan support staff regarding adherence to internal credit and loan policy.
7.Provide senior management and the Board of Directors an overall assessment of the quality of the loan portfolios.
8.Review the quality of real estate appraisals and evaluations being used by the bank's lending personnel.
9.Research and respond to questions from lending personnel.
10. Analyze and calculate the adequacy of cash flow to service debt requirements.
11. Calculate various ratios to review financial stability of the borrower's balance sheet for comparison to the peer group.
12. The ability to work in a constant state of alertness and in a safe manner.
13. Completes required BSA/AML training and other compliance training as assigned. This duty is performed as needed.
14. Perform any other related duties as required or assigned.
RequirementsEDUCATION AND EXPERIENCE
Broad knowledge of such fields as accounting, marketing, business administration, finance, etc. Equivalent to a four year college degree, plus 3 years related experience and/or training, and 1 to 6 months related management experience, or equivalent combination of education and experience.
Ability to write reports, business correspondence, and policy/procedure manuals; Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.
Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts such as fractions, ratios, and proportions to practical situations.
CRITICAL THINKING SKILLS
Ability to define problems, collect data, establish facts, and draw valid conclusions. Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables.
REQUIRED CERTIFICATES, LICENSES, REGISTRATIONS
PREFERRED CERTIFICATES, LICENSES, REGISTRATIONS
BAI Loan Review Certification
SOFTWARE SKILLS REQUIRED
Advanced: Presentation/PowerPoint, Spreadsheet, Word Processing/Typing
Basic: Accounting, Alphanumeric Data Entry, Database
Periodically exposed to such elements as noise, intermittent standing, walking, occasionally pushing, carrying, or lifting; but none are present to the extent of being disagreeable.
The following work environment characteristics described here are representative of those an employee encounters while performing essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
The noise level in the work environment is usually moderate.
The following physical activities described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions and expectations.
Semi-repetitive, low physical. Semi-repetitive type work which requires periods of concentration for varied time cycles as prescribed by the tasks.
While performing the functions of this job, the employee is continuously required to sit, use hands to finger, handle, or feel; regularly required to reach with hands and arms, talk or hear. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision.
Required education and experience:
Minimum 1 year previous experience in loan related job role.
Required skills and proficiencies:
Ability to interpret state and federal regulations.
Proficient in Microsoft Word and Excel.
Good oral and written communication skills.
Ability to work independently.
Some overnight travel may be required.
If you need an accommodation or assistance applying for employment, contact Centennial Bank at 501-328-4732. We comply with the ADA and consider reasonable accommodations that may be necessary.
Home BancShares, Inc. is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to age, race, color, sex, religion, national origin, disability, veteran status, family or marital status, gender identity or expression, or any other characteristic protected by law.
View Equal Employment Opportunity Posters provided by OFCCP here.
Home BancShares, Inc. is a participant of E-Verify. View the Notice of E-Verify Participation and Right to Work provided by the US Citizenship and Immigration Services (USCIS).
The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is in response to a formal complaint or charge, in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)
Home Bancshares, Inc.