Loan Review Analyst
Fnbhutch, Hutchinson, KS, United States
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Loan Review Analyst
Part‑time Regular Hutchinson, Hutchinson, KS, US
4 days ago Requisition ID: 1165
Summary:
The Loan Review Analyst provides independent, objective evaluations of the Bank’s commercial, agricultural, and consumer loan portfolios to assess credit quality, risk grading accuracy, documentation compliance, and adherence to lending policy and regulatory expectations. This role supports sound credit risk management by identifying emerging risk trends, validating credit administration practices, and providing timely reporting to management and the Directors’ Loan Committee.
The Loan Review role is a key position, independent of loan origination and underwriting, and plays a critical role in regulatory compliance, problem loan identification, and overall safety and soundness.
Primary Responsibilities and Duties:
Loan Review & Credit Risk Assessment
Independently conduct comprehensive reviews of higher‑risk, complex, or material loan relationships, including:
Commercial and agricultural credits
Criticized and classified assets
Concentrations and portfolio segments of heightened risk
Evaluate credit structure, underwriting quality, borrower performance, collateral adequacy, covenant compliance, and policy adherence
Perform in‑depth financial analysis, cash flow testing, and stress considerations where appropriate
Exercise independent judgment in validating or challenging risk ratings and regulatory classifications
Validate internal risk ratings and recommend changes when warranted
Identify and track Watch, Special Mention, Substandard, Doubtful, and Loss credits
Prepare the monthly Classified Asset Report for senior management
Monitors overdrafts to ensure timely charge off
Reporting & Communication
Prepare periodic loan review summary reports and memoranda for management and the Directors’ Loan Committee (e.g., quarterly loan review summaries)
Communicate findings professionally and constructively with lenders, credit administration staff, and senior management
Special Reviews & Projects
Perform targeted or special‑purpose reviews, including:
Loans pledged to the Federal Reserve or other funding sources
Concentration or industry‑specific reviews
Consumer loan portfolio reviews, as needed
Regulatory or examiner‑requested loan reviews
Attend Management Loan Committee or other credit‑risk forums and participate as requested
Qualifications
Education & Experience
Bachelor’s degree in finance, accounting, business, agriculture economics, or a related field
3-5 years
of banking experience in loan review, credit analysis, underwriting, or credit administration
Experience reviewing commercial or agricultural credits within a community or regional bank is preferred
Knowledge & Skills
Strong understanding of credit risk analysis, financial statement interpretation, and cash flow assessment
Working knowledge of regulatory loan classifications, criticized asset management, and lender responsibility standards
Ability to apply professional skepticism and independent judgment
Excellent written communication skills suitable for examiner and Board‑level audiences
Proficiency with loan systems, document imaging platforms, and Microsoft Excel and Word
Core Competencies
Must be capable of exercising highest level of discretion on both internal and external confidential matters
Independence and objectivity
Sound judgment and discretion
Professional skepticism
Ability to communicate findings diplomatically
Working Conditions
Either office‑based or remote with periodic meetings, examinations, and report deadlines. If working remotely, a qualified candidate must be able to come to the main office monthly.
Occasional extended hours may be required during examination or reporting cycles
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Loan Review Analyst
Part‑time Regular Hutchinson, Hutchinson, KS, US
4 days ago Requisition ID: 1165
Summary:
The Loan Review Analyst provides independent, objective evaluations of the Bank’s commercial, agricultural, and consumer loan portfolios to assess credit quality, risk grading accuracy, documentation compliance, and adherence to lending policy and regulatory expectations. This role supports sound credit risk management by identifying emerging risk trends, validating credit administration practices, and providing timely reporting to management and the Directors’ Loan Committee.
The Loan Review role is a key position, independent of loan origination and underwriting, and plays a critical role in regulatory compliance, problem loan identification, and overall safety and soundness.
Primary Responsibilities and Duties:
Loan Review & Credit Risk Assessment
Independently conduct comprehensive reviews of higher‑risk, complex, or material loan relationships, including:
Commercial and agricultural credits
Criticized and classified assets
Concentrations and portfolio segments of heightened risk
Evaluate credit structure, underwriting quality, borrower performance, collateral adequacy, covenant compliance, and policy adherence
Perform in‑depth financial analysis, cash flow testing, and stress considerations where appropriate
Exercise independent judgment in validating or challenging risk ratings and regulatory classifications
Validate internal risk ratings and recommend changes when warranted
Identify and track Watch, Special Mention, Substandard, Doubtful, and Loss credits
Prepare the monthly Classified Asset Report for senior management
Monitors overdrafts to ensure timely charge off
Reporting & Communication
Prepare periodic loan review summary reports and memoranda for management and the Directors’ Loan Committee (e.g., quarterly loan review summaries)
Communicate findings professionally and constructively with lenders, credit administration staff, and senior management
Special Reviews & Projects
Perform targeted or special‑purpose reviews, including:
Loans pledged to the Federal Reserve or other funding sources
Concentration or industry‑specific reviews
Consumer loan portfolio reviews, as needed
Regulatory or examiner‑requested loan reviews
Attend Management Loan Committee or other credit‑risk forums and participate as requested
Qualifications
Education & Experience
Bachelor’s degree in finance, accounting, business, agriculture economics, or a related field
3-5 years
of banking experience in loan review, credit analysis, underwriting, or credit administration
Experience reviewing commercial or agricultural credits within a community or regional bank is preferred
Knowledge & Skills
Strong understanding of credit risk analysis, financial statement interpretation, and cash flow assessment
Working knowledge of regulatory loan classifications, criticized asset management, and lender responsibility standards
Ability to apply professional skepticism and independent judgment
Excellent written communication skills suitable for examiner and Board‑level audiences
Proficiency with loan systems, document imaging platforms, and Microsoft Excel and Word
Core Competencies
Must be capable of exercising highest level of discretion on both internal and external confidential matters
Independence and objectivity
Sound judgment and discretion
Professional skepticism
Ability to communicate findings diplomatically
Working Conditions
Either office‑based or remote with periodic meetings, examinations, and report deadlines. If working remotely, a qualified candidate must be able to come to the main office monthly.
Occasional extended hours may be required during examination or reporting cycles
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