Senior Loan Review Analyst
Vantage Bank, Mcallen, TX, United States
Senior Loan Review Analyst
At Vantage Bank, we're driven by a deep commitment to supporting our customers, valuing our employees, embracing diversity, fostering meaningful connections, and providing outstanding service every step of the way. The Senior Loan Review Analyst independently reviews moderate-to-high complexity credits, assesses underwriting quality, borrower performance, collateral, and compliance. They engage with lenders on risk-related issues while maintaining appropriate independence. The Senior Loan Review Analyst strengthens credit risk governance by promoting consistent underwriting and risk grading practices that support safe portfolio growth. They contribute to sampling methodologies, review planning, compliance monitoring, and provide leadership within the Loan Review team. The duties listed below may not include all responsibilities that the person in this role may be asked to perform. Incumbent may be required to perform other related duties as assigned. Serve as a lead reviewer for mid-size to large commercial credits of moderate to high complexity, providing independent, risk focused evaluations of: Credit structure and underwriting quality Borrower financial condition and cash flow sustainability Risk grade accuracy and consistency Payment performance and covenant compliance Collateral support and documentation adequacy Compliance with Bank policy and applicable state and federal regulatory requirements Identifies credit weaknesses, adverse trends, underwriting gaps, and policy exceptions, and communicate clear, well supported observations and recommendations to Loan Review Manager and Loan Review Director. Engages directly with lenders and credit officers to discuss underwriting assumptions, risk grades, credit exceptions, and portfolio performance, providing independent analysis and constructive feedback while maintaining appropriate professional independence. Contributes to risk-based Loan Review planning, including loan sampling methodology, scope development, and prioritization of higher risk portfolios. Conducts targeted and thematic reviews of higher risk loan portfolios and credit practices by assessing underwriting discipline, risk grading consistency, policy compliance, and portfolio trends across commercial loan segments, special assets, criticized and classified credits, OREO, and key components supporting the Allowance for Credit Losses (ACL/ALLL). Assists in the preparation and refinement of quarterly Loan Review reports presented to Senior Management and the Audit Committee, including analysis of risk grade migration, underwriting trends, portfolio risk indicators, and key findings. Supports regulatory examinations and internal or external audits by providing clear analysis, documentation, and responses related to Loan Review scope, methodology, and conclusions. Serves as a senior resource within the Loan Review department by providing guidance, promoting consistency in review approach and judgment, and supporting the development of junior analysts. Provides leadership support in the absence of the Loan Review Manager, as assigned. Maintains awareness of financial industry trends, economic conditions, and regulatory developments impacting credit risk and incorporates relevant considerations into review conclusions. Other duties as assigned. These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. The requirements listed below are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner. Individual abilities and organizational limitations may result in some deviation from these guidelines. Bachelor's degree in Finance, Accounting, Business, or a related field; advanced coursework or formal credit training preferred. 6+ years of prior banking experience directly relating to credit analysis, loan review, or credit risk assessment, including evaluation of complex commercial relationships. 10+ years of prior banking or similar financial services experience strongly preferred. Strong working knowledge of commercial credit underwriting, risk grading, regulatory expectations, and multiple loan types (CRE, C&I, construction/development). Familiarity with regulatory guidance related to credit risk management and loan review systems (e.g., OCC, FDIC, Federal Reserve). Perform duties independently, without influence from lending personnel or administration. Strong organizational and analytical skills; able to manage priorities and workflow. Excellent verbal, written, presentation and interpersonal communication skills. Ability to always maintain a high degree of ethical standards and complete confidentiality. Must be a self-starter with the ability to work independently and as part of a team. Excellent analytical, time management, organizational and problem-solving skills with the ability to multi-task and work in a deadline-driven environment. Must be self-motivated with strong initiative, high level of accountability, and attention to detail. Must be able to speak, read, write and understand the primary language(s) used in the workplace. Ability to adapt to constant change and periods of fast-paced situations while sticking to and meeting deadlines. Preferred Skills Professional credit certifications such as Credit Risk Certification (CRC) or similar, demonstrating advanced analytical expertise and commitment to professional development. Bilingual (English/Spanish). Local market knowledge of South Texas or Central Texas. Community involvement is part of who we are. Our culture is built on teamwork, purpose, and service. We value volunteerism and create opportunities for employees to connect, give back, and make a positive difference in our communities. As part of the Vantage Bank team, all associates should embrace our community involvement and culture to ensure we are making an impact. BANK SECRECY ACT (BSA) All employees of Vantage Bank, herein referenced to as the "Bank", must comply with the terms of the BSA Policy upon acceptance of this position. The primary responsibility for enforcement of this policy and its operating procedures rests with the BSA/AML/OFAC Officer. However, it is the responsibility of each employee to take the required BSA training modules and become familiar with and adhere to the Bank Secrecy Act, Anti Money Laundering and Office of Foreign Asset Control Policy. EOE/M/F/D/V Join the Vantage Bank family for the strong relationships and local impact of a community bank backed by all the benefits and technology you'll find at larger, national banks. At Vantage you will have significant opportunities for career growth from the moment you join our team. We invest in our people and truly value the unique skills and perspectives that each team member brings to the table.
At Vantage Bank, we're driven by a deep commitment to supporting our customers, valuing our employees, embracing diversity, fostering meaningful connections, and providing outstanding service every step of the way. The Senior Loan Review Analyst independently reviews moderate-to-high complexity credits, assesses underwriting quality, borrower performance, collateral, and compliance. They engage with lenders on risk-related issues while maintaining appropriate independence. The Senior Loan Review Analyst strengthens credit risk governance by promoting consistent underwriting and risk grading practices that support safe portfolio growth. They contribute to sampling methodologies, review planning, compliance monitoring, and provide leadership within the Loan Review team. The duties listed below may not include all responsibilities that the person in this role may be asked to perform. Incumbent may be required to perform other related duties as assigned. Serve as a lead reviewer for mid-size to large commercial credits of moderate to high complexity, providing independent, risk focused evaluations of: Credit structure and underwriting quality Borrower financial condition and cash flow sustainability Risk grade accuracy and consistency Payment performance and covenant compliance Collateral support and documentation adequacy Compliance with Bank policy and applicable state and federal regulatory requirements Identifies credit weaknesses, adverse trends, underwriting gaps, and policy exceptions, and communicate clear, well supported observations and recommendations to Loan Review Manager and Loan Review Director. Engages directly with lenders and credit officers to discuss underwriting assumptions, risk grades, credit exceptions, and portfolio performance, providing independent analysis and constructive feedback while maintaining appropriate professional independence. Contributes to risk-based Loan Review planning, including loan sampling methodology, scope development, and prioritization of higher risk portfolios. Conducts targeted and thematic reviews of higher risk loan portfolios and credit practices by assessing underwriting discipline, risk grading consistency, policy compliance, and portfolio trends across commercial loan segments, special assets, criticized and classified credits, OREO, and key components supporting the Allowance for Credit Losses (ACL/ALLL). Assists in the preparation and refinement of quarterly Loan Review reports presented to Senior Management and the Audit Committee, including analysis of risk grade migration, underwriting trends, portfolio risk indicators, and key findings. Supports regulatory examinations and internal or external audits by providing clear analysis, documentation, and responses related to Loan Review scope, methodology, and conclusions. Serves as a senior resource within the Loan Review department by providing guidance, promoting consistency in review approach and judgment, and supporting the development of junior analysts. Provides leadership support in the absence of the Loan Review Manager, as assigned. Maintains awareness of financial industry trends, economic conditions, and regulatory developments impacting credit risk and incorporates relevant considerations into review conclusions. Other duties as assigned. These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. The requirements listed below are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner. Individual abilities and organizational limitations may result in some deviation from these guidelines. Bachelor's degree in Finance, Accounting, Business, or a related field; advanced coursework or formal credit training preferred. 6+ years of prior banking experience directly relating to credit analysis, loan review, or credit risk assessment, including evaluation of complex commercial relationships. 10+ years of prior banking or similar financial services experience strongly preferred. Strong working knowledge of commercial credit underwriting, risk grading, regulatory expectations, and multiple loan types (CRE, C&I, construction/development). Familiarity with regulatory guidance related to credit risk management and loan review systems (e.g., OCC, FDIC, Federal Reserve). Perform duties independently, without influence from lending personnel or administration. Strong organizational and analytical skills; able to manage priorities and workflow. Excellent verbal, written, presentation and interpersonal communication skills. Ability to always maintain a high degree of ethical standards and complete confidentiality. Must be a self-starter with the ability to work independently and as part of a team. Excellent analytical, time management, organizational and problem-solving skills with the ability to multi-task and work in a deadline-driven environment. Must be self-motivated with strong initiative, high level of accountability, and attention to detail. Must be able to speak, read, write and understand the primary language(s) used in the workplace. Ability to adapt to constant change and periods of fast-paced situations while sticking to and meeting deadlines. Preferred Skills Professional credit certifications such as Credit Risk Certification (CRC) or similar, demonstrating advanced analytical expertise and commitment to professional development. Bilingual (English/Spanish). Local market knowledge of South Texas or Central Texas. Community involvement is part of who we are. Our culture is built on teamwork, purpose, and service. We value volunteerism and create opportunities for employees to connect, give back, and make a positive difference in our communities. As part of the Vantage Bank team, all associates should embrace our community involvement and culture to ensure we are making an impact. BANK SECRECY ACT (BSA) All employees of Vantage Bank, herein referenced to as the "Bank", must comply with the terms of the BSA Policy upon acceptance of this position. The primary responsibility for enforcement of this policy and its operating procedures rests with the BSA/AML/OFAC Officer. However, it is the responsibility of each employee to take the required BSA training modules and become familiar with and adhere to the Bank Secrecy Act, Anti Money Laundering and Office of Foreign Asset Control Policy. EOE/M/F/D/V Join the Vantage Bank family for the strong relationships and local impact of a community bank backed by all the benefits and technology you'll find at larger, national banks. At Vantage you will have significant opportunities for career growth from the moment you join our team. We invest in our people and truly value the unique skills and perspectives that each team member brings to the table.