Document observations and variations and discuss with the client
Review samples of commercial loans to ensure acceptable credit standards are maintained and loans conform to established company policy and applicable regulatory requirements
Use relevant experience and research skills to think beyond the policy/procedures and assist clients on complex issues or ideas that benefit the client
Work on internal projects, propose time saving measures and contribute to team goals
Document compliance with loan policies, lending procedures and applicable regulations
Examine credit risks within loan portfolios and the appropriateness of risk grades for the loans reviewed
Apply lending/credit policy, product and loan guidelines, and a high level of judgment, in assessing applicant's credit worthiness
Conduct activities consistent with established banking policies, procedures and systems, including the Bank Secrecy Act and all applicable State and Federal laws and regulations
Contribute to business development work as assigned
Review documentation relating to originations and renewals, appraisals, collateral, insurance, flood certification(s) etc
Provide guidance, coaching and feedback to less experienced team members and serve as the first point of contact for their questions
Requirements
commercial lending
financial modeling
underwriting
risk management
bachelor's
analytical
About 10-20% travel to client locations in IL and WI
Working knowledge of commercial lending, agricultural lending, real estate development and construction lending, and required documentation
10+ years of experience with credit underwriting, portfolio management, commercial lending, regulatory review, or loan review; experience with loan workouts or distressed credits is preferred
Proactive nature and ability to think outside the box
Bachelor’s degree in business, finance, accounting, or related field
Ability to effectively communicate any weaknesses in loan administration or other matters requiring attention with clients
Exceptional understanding of regulatory policies and financial risk management
Strong analytical skills and proficiency in financial modeling. Experience with loan review systems preferred
Knowledge of the latest financial regulations and compliance standards