Loan Review Officer III

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Loan Review Officer III

The Commercial Loan Review Officer III role at First United Bank focuses on assessing credit risk within the commercial and commercial real estate loan portfolios through ongoing review of loan relationships. The role affords a high level of visibility to senior credit officials, regional credit officers, and executive management. This is due to the unique opportunity for the individual to present review findings in exit meetings and other related forums.

The right candidate will also utilize their experience and skill set to work cross departmentally on collaborative credit‑risk related projects and serve as a trusted mentor to junior team members, credit analysts, and loan officers across the organization. It offers potential to lead reviews and develop into a senior loan review manager position, as well as other opportunities outside of loan review as the organization continues its rapid growth trajectory.

First United Bank is a progressive and innovative, full‑scope financial services organization. As one of the largest and fastest growing privately held financial institutions in the nation, First United focuses on retail and community banking, targeting consumers and small‑to‑mid‑sized businesses within its market areas. First United prides itself on industry differentiation including:
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Caring interactions across all delivery platforms and experiences;
Relationships that elevate others;
Values that guide us to extend love and make an impact; and Empowering others to reach their full potential.

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• 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.

To perform this job successfully, an individual must be able to perform each Essential Function above satisfactorily. The Experience and Competencies listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable…