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ChoiceOne Bank · 2 months ago

Loan Review Analyst

Fenton, MI

Full-time

Onsite

Mid Level

3+ years exp

ChoiceOne Bank is dedicated to providing superior service and quality advice. The Loan Review Analyst is responsible for reviewing and analyzing credit and collateral information for various loan types, preparing annual loan reviews, and ensuring adherence to internal credit policies.

BankingCommunitiesFinancial Services

Responsibilities

Evaluate the activities of lending officers, credit, and loan support staff regarding adherence to internal credit and loan policy

Manage and perform annual credit reviews on commercial loan relationships, to include review of all pertinent credit & financial information, such as credit bureaus, UCC & title searches, various financial statements, the loan files to include both credit & collateral, and provide credit analysis and assign grading to same

Assess the adequacy adherence to internal credit and loan administration policies and procedures

Coordinate Appraisal/Environmental Order and Review processes and complete Reviews as assigned and in accordance with guidelines

Provide special reviews as requested to assess the state of certain loan portfolio segments

Input financial statement spreads using Flash Spread

Analyze, interpret or make deductions from factors or circumstances related to the department and role

Analyze, interpret or make deductions from factors or circumstances related to the essential duties of the position

Qualification

Credit analysisLoan review experienceBanking knowledgeMicrosoft OfficeAnalyticalJudgmentBusiness AcumenCommunicationAdaptabilityInitiative

Required

Bachelor's Degree or equivalent

Minimum three (3) of review experience; or equivalent combination of education and experience

Computer knowledge – Windows, Microsoft Office

Working knowledge of Banking

Communication – Speaks clearly and persuasively in positive or negative situations; listens and gets clarification; responds well to questions; demonstrates group presentation skills; participates in meetings. Writes clearly and informatively

Analytical – Synthesizes complex and diverse information; collects and researches data; uses intuition and experience to complement data

Adaptability – Adapts to changes in work environment; manages competing demands; changes approach or method to best fit the situation; able to deal with frequent change, delays or unexpected events

Initiative – Undertakes self-development activities; takes independent actions and calculated risks; looks for and takes advantage of opportunities; asks for and offers help when needed

Technical Skills – Assesses own strengths and weaknesses; pursues training and development opportunities; strives to continuously build knowledge and skills; shares expertise with others. Has a thorough understanding of underwriting, coverages and rating procedures

Judgment – Displays willingness to make decisions; exhibits sound and accurate judgement; supports and explains reasoning for decisions; includes appropriate people in decision-making process. Makes timely decisions

Business Acumen – Understands business implications of decisions; displays orientation to profitability; demonstrates knowledge of market and competition; aligns work with strategic goals