Senior Loan Review Specialist - Greenway

As part of the Enterprise Risk Management Team in the Credit Risk Review Department, the Senior Loan Review Specialist's primary responsibility is to help support and lead the timely and independent review of the Bank’s loan portfolio for the identification of problem loans, portfolio trends, and emerging risks. This role is responsible for performing independent evaluation and assessment of the credit risk profile of the bank’s commercial lending portfolio.  This position plays a critical role in ensuring that the bank’s credit exposures are appropriately managed and that all lending activities are in compliance with internal policies, regulatory requirements, and best practices.  The ideal candidate will have extensive experience in credit risk assessment, strong analytical skills, and the ability to provide strategic recommendations to enhance the bank’s credit risk management framework.

ESSENTIAL DUTIES AND RESPONSIBILITIES

1. Perform specific individual loan or borrower relationship reviews to analyze adherence to loan policy and procedures, relevant laws, regulations, and supervisory guidance.
2. Conduct regular reviews of commercial, consumer, and mortgage loan portfolios to assess credit quality, performance, loan structure, collateral adequacy, compliance with bank policies, regulatory requirements, and overall risk exposure.
3. Review borrower financial statements, credit reports, and other relevant documentation to assess the ability to repay loans and the overall creditworthiness of borrowers.
4. Prepare detailed reports and summaries of loan review findings for senior management, highlighting any areas of concern and suggesting corrective actions. Document loan review results and maintain accurate records.
5. Conducts ongoing portfolio reviews, as directed, to monitor credit risk trends, identify emerging risks, and provide actionable insights to senior management. Supports or leads the development of periodic credit risk review reports, as directed.
6. As directed reviews various individual loans or borrower relationships, including the Bank’s significant loans and targeted reviews, as approved in the annual credit risk review scope, in order to identify significant changes in the overall quality of the loan portfolio and detect possible deteriorating credit quality.
7. Recommends credit risk grades and comments on credit administration including soundness of underwriting, risk identification, financial /loan covenant /collateral documentation exceptions, and loan monitoring to the Director of Credit Risk Review.
8. Reviews adequacy of the sources of repayment, validity of assumptions, creditworthiness of guarantors/sponsors, and quality of the information used in the credit loss estimation process, including the reasonableness of assumptions used and the timeliness of charge-offs.
9. Reviews internal loan reports, including past-due and criticized loan reports, supervisory examination reports, and other applicable credit data, for possible downgrading of emerging problem loans.
10. Assists with credit risk review related inquiries from internal/external auditors and regulatory examiners, as directed.
11. Mentor junior staff and assist in fostering a culture of continuous improvement within the risk management team. 
12. Assist with internal and external audits, responding to inquiries and providing necessary documentation related to loan reviews and portfolio performance, as directed.
13. Stay updated on industry trends, regulatory changes, and best practices related to loan review and risk management.
14. Compliance with any and all BSA/AML/CFT and Sanctions requirements set forth by Bank Policy and Procedure, including but not limited to timely completion of assigned training.

SECONDARY DUTIES

The position performs duties specific to the position and other functions as assigned by management.

SUPERVISORY RESPONSIBILITY

This position is not responsible for the supervision of staff.

ENVIRONMENT AND PHYSICAL ACTIVITY

The incumbent is in a non-confined office setting in which they are free to move about at will.  In the course of performing the duties and responsibilities of this position spends time writing, speaking, listening, lifting (up to 25 pounds), sitting, typing on a computer keyboard, and standing, kneeling and reaching.

The incumbent for this position may operate any or all of the following: telephone, copy and fax machine, adding machine, computer and related printers.

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential function of this job.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The incumbent in this position must be able to read documents or instruments, detailed work, problem solving, customer contact, reasoning, math, verbal and written communication, analytical reasoning, multiple tasks with constant interruptions.

MINIMUM REQUIREMENTS

These specifications are guidelines based on the minimum experience required to perform the essential functions of the job.  Individual abilities may result in some deviation from these guidelines:

• Minimum of 5 years' experience in credit risk management, commercial lending, or a related field within the banking or financial services industry. 
• Bachelor’s degree in finance, accounting or business administration, or equivalent experience.
• Thorough knowledge of bank lending procedures, policies, and practices; proficient financial statement analysis skills; knowledge of current lending and collection laws and regulations
• Strong knowledge of loan documentation, credit analysis, and financial statements, with the ability to identify credit risks and make recommendations for risk mitigation.
• Strong knowledge of financial statements, credit underwriting, and lending documentation. Experience with stress testing and risk reporting tools is a plus. 
• In-depth knowledge of regulatory frameworks and guidelines related to commercial lending and credit risk management, highly desirable.
• Strong quantitative and qualitative analytical skills with the ability to assess complex credit situations and develop actionable recommendations.
• Well-developed written and verbal communication skills, with the ability to present findings and recommendations clearly and concisely.
• Exceptional attention to detail with the ability to identify potential risks and discrepancies in credit documentation, financial statements, and loan structures. 
• Strong problem-solving skills and the ability to think critically in complex situations.  
• Ability to assess potential risk in dynamic and evolving environments.
• Ability to work independently and as part of a team. 
• Proficient in financial analysis software and loan review systems.
• Strong organizational skills and the ability to manage multiple tasks and deadlines.
• Strong communications and interpersonal skills.
• Proficiency in MS Office.