You are analytical, investigative, love spreadsheets, a finance geek extraordinaire, enjoy research, and thrive on collaboration. This is your calling.
Duties and Responsibilities
Responsible for conducting daily audits of risk graded loans and remediate identified errors based on audits.
Reviewing loans to determine compliance with company credit policy and SBA standard operating procedures.
Creates analytics to identify problem areas. Reviews and screens loan files for compliance and problems.
Ensures comprehension and implementation of subjective adjustment guidance.
Coordinates shared loan grading with branches.
Reviews and analyzes loan packages with respect to program guidelines and performs applicable due diligence to assure compliance.
Recommends procedures to maintain quality control aspects of lending practices.
Monitors and follows up on collateral documentation.
Reviews files subject to audits and remediates exceptions prior to audits.
Tracks and maintains audit exception reports.
Performs post-closing audit and review of loan files to assure compliance with Standard Operating Procedures.
Other duties as assigned.
Requires a Bachelor’s degree in Finance, Business or a related field and 4 years experience with accounting, loan processes and procedures, multi-dimensional loan risk grade systems, data reporting tools, report writing, analytics or other directly-related experience.
A combination of education and experience may meet job requirements.
Extensive knowledge of loan processes and procedures, loan documentation, lending regulations, requirements and audit / review procedures.
Advanced knowledge of multi-dimensional loan risk grade systems, financial spread analysis and credit lending procedures.
Must have strong analysis, audit and review skills.
Requires strong attention to detail.
Ability to work with lending staff to resolve review issues.
Excellent customer relations and communication skills, both verbal and written.
Ability to develop and produce analytic reports.
Knowledge of various software to include Microsoft Office or similar software.