Commercial Loan Review Officer - Chatham

Job Description

Job Description

United Community Bank is looking for a Commercial Loan Review Officer. This position will provide an objective appraisal to bank management of loans and applications for credit in order to identify potential loan problems and ensure compliance with established loan policies and federal regulations.

Essential Duties and Responsibilities :

• Perform regular loan portfolio reviews based on risk and / or size of all credit types (commercial, consumer, residential, equipment, Small Business Administration, mortgage, HELOC, participations, etc.) that cover the following areas :
• Asset Quality - ensure acceptable credit standards are maintained (confirm lien protection, repayment capacity, collateral, etc.)
• Documentation - ensure loans conform to established bank lending policies and procedures and required documents have been obtained and are thorough and accurate
• Compliance - ensure conformity to relevant state and federal law and regulation
• Approve creditworthiness of the loan portfolio, seeking changes meriting a review of lending practices and / or adverse asset classification
• Validate accuracy of credit grading / loan rating system
• Identify problem loans and their deficiencies
• Recommend final credit grades for approval by supervisor of loan review function
• Provide detailed rationale for assigning conflicting and / or adverse risk ratings
• Evaluate portfolio trends for delinquency, bankruptcy, demographic and other factors
• Review bank processes to include loan approvals, policy exception reporting, supervisory loan to value limits, underwriting, covenants, internal controls, etc.
• Evaluate adequacy and effectiveness of tracking systems
• Ensure use of proper approval procedures and loan authorities
• Analyze trends to make recommendations
• Report potential fraud opportunities and / or detection
• Verify quality, completeness, and accuracy of supporting loan documentation and analysis
• Review files for appraisals, deeds of trust, UCC filings, perfection on liens, collateral evaluations and valuations, etc.
• Perform regular back-end review of financials and related analysis (financial statements, tax returns, rent rolls, personal financial statements, cash flow statements, etc.)
• Identify trends, debt service coverage, and performance ratio analysis
• Assess problem loan management and workout plan effectiveness
• Provide assistance and consultation to loan officers, other lending personnel, auditors, and regulatory examiners
• Provide executive summaries of each review and supporting analysis
• Prepare reports for individual lenders and / or management / Executive Loan Committee
• Present findings to Board of Directors as appropriate
• Participate in special lending related projects as directed
• Other related duties as assigned

Qualifications :

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Requirements listed below are representative of the knowledge, skill, and / or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Computer Requirements :

Education / Experience Requirements :

Additional Requirements :

Attendance Requirements :

Employees are expected to report to work as scheduled, on time and prepared to start work. Employees are expected to remain at work for their entire work schedule. Late arrival, early departure or other absences from scheduled hours should be avoided.

Certificates, licenses, or registrations : none

Working Conditions :

This job operates in a clerical setting. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines.

Physical requirements :

Benefits :

The following benefit programs are available to all employees :

In addition, the following benefits are available to all full-time employees after meeting eligibility requirements :

Some benefit programs require contributions from the employee and all begin on the first of the month after eligibility is met. Certain benefits provided by United Community Bank are governed by plan documents.

Please visit https : / / ucbbanks.com / careers for more information on UCB's complete benefit package.