Core Responsibilities/Activities  Comprehensive Loan Reviews Assess the sufficiency of credit underwriting and portfolio monitoring functions, performance covenants, collateral metrics and other monitoring guidelines and trigger events. Ensure all credits are completed in compliance with the Bank’s lending policies, procedures, and regulatory guidelines.Evaluate borrower financial performance through the assessment of financial statements and credit risk metrics, including income statement, cash flow statement and balance sheet analysis.Review Legal Documents (Loan Agreements, Security Agreements, etc.) to Credit Approval Packages to verify that all approved loan parameters have been accurately recorded.Evaluate the financial performance against all base and stress-scenario financial projections as required.Determine the accuracy of internal risks ratings; recommend, document and fully support any recommended changes based upon your evaluation.Use knowledge of industry best practices, regulatory requirements and professional experience to identify deficiencies and/or areas of improvement in the Bank’s risk management processes, procedures and policies.Draft potential review issues for discussion with the Head of Loan Review, Credit Risk Management,  front office, middle office, audit and Loan Review colleagues. Maintain in-depth knowledge of all policies and procedures related to lending, underwriting, credit, and problem loan monitoring. Proactively recommend changes to the Bank’s policies and procedures as needed.Periodically follow-up on open reported observations as part of each segment review; review, validate  and secure documentation for closure purposes.Risk Grade Changes on Existing Facilities All credit facilities must be reviewed and assigned risk ratings based on the strength of the borrower and its repayment capacity. To ensure risk ratings are reflective of the current financial condition, all changes in risk ratings must be challenged by the LRD.Notification of Potential Problem Forms (NOPPs) NOPPs are prepared when Bank personnel become aware of a potentially negative situation with one of their borrowers. Situations of this nature may cause the account to be downgraded or suffer some other negative action. Loan Review receives, reviews, processes, and logs all NOPP Forms received. Other Responsibilities Assist in the preparation and periodic updates to the Risk Assessments for assigned portfolio segments to accurately document Loan Review’s current view of the quantity, quality and direction of risk in the Bank’s loan portfolio. Maintain effective contact with front office, credit, audit and compliance colleagues, and utilize third-party resources and professional networks, to provide as accurately and timely an assessment as possible.Perform Continuous Monitoring reviews on assigned portfolio segments to enhance the early detection of credit risk in the Bank’s loan portfolio and enhance Loan Review’s Risk Assessment process.Maintain in-depth knowledge of assigned portfolio segments as assigned.Maintain in-depth knowledge of all policies and procedures related to lending, underwriting, credit, and problem loan monitoring.Assist in the preparation and completion of the department’s Annual Business PlanAssist the Head of Loan Review with various departmental reporting requirementsPerform ad-hoc/ancillary projects in support of the overall Loan Review function.  Maintain a thorough understanding of the bank’s compliance rules and regulations. Assist the Head of Loan Review in various functions, including liaison activities with Federal and State Banking Regulators, as well as internal and external auditors.  Compile and provide information as requested by examiners and auditors.#LI-Hybrid
