Loan Review Officer III

We have a great team of friendly, talented and inspiring people at First United. As a learning organization, we take pride in offering exciting opportunities for employees to grow and follow their passions. That's one of the many reasons First United has been voted as one of the top places to work in Oklahoma since 2009! Browse this page to find out more about the First United culture and the many benefits of working here.

Then, use our "Get Started" section to take your first step to being a part of First United.
* Determines the adequacy of credit underwriting and loan administration, as well as the accuracy of risk grades, for loans selected as part of targeted, risk-focused reviews.
* Determines the sufficiency of credit and collateral documentation (including proper lien perfection), adherence to regulatory requirements and loan policy (including approval authorities), and compliance with loan agreement covenants.
* Analyzes financial statements, calculates relevant ratios, and assesses risk.
* Prepares detailed written reports which include an analysis of the borrower and note history, repayment capacity, financial trends, collateral support, documentation exceptions, and an overall summary of findings supported by strengths and weaknesses.
* Presents findings, along with other team members, to a panel of senior management.
* Maintains all department communication to internal and external stakeholders in a constructive, professional, and positive manner.
* Serves as a resource to loan officers, credit analysts, and other employees regarding loan policy and regulatory credit guidelines.
* Performs other duties as required by the Director of Loan Review, Chief Risk Officer, and CEO.
* Completes all required compliance courses and exams on a yearly basis.
* Adheres to all bank Policies and Procedures, including confidentiality guidelines
* Supports First United Bank’s mission, purpose, and values.
* Bachelor’s Degree in Business, Accounting, Finance or an equivalent combination of education, training, and/or experience.
* Ten plus years of progressive experience in commercial credit analysis, underwriting, regulatory, or other equivalent banking experience. Both Commercial and Consumer loan experience is preferred.
* Some management or supervisory experience is preferred.
* Proficient in Microsoft Office applications; advanced in Excel.

Experience with data visualization software (such as Power BI), SQL or other programming languages, and/or AI is preferred.
* Strong verbal and written communication skills.
* Comfortable in delivering findings. Able to present complex and sensitive information in a group setting in a professional manner.
* Interpersonal skills:
Able to work well with a wide range of people/personalities.
* Well-developed analytical abilities and problem-solving skills; strong attention to detail.
* Strong organizational and time management skills; able to work independently.
* Reliable/dependable via punctuality, attendance, and adherence to project timelines and meetings.
* Possesses a full understanding of loan operations processes, commercial credit underwriting and monitoring functions, lending policies/regulations, title insurance, credit and collateral loan documentation, credit/financial analysis techniques, and risk identification.
* Ability to make appropriate, independent judgments that align with bank policy and procedures.
* Life-long learner. Ongoing willingness to continue business skill and personal development.
#J-18808-Ljbffr