Loan Review Officer III

SUMMARY

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 skills 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.

ABOUT FIRST UNITED BANK

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: Faster and more informative service; 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.

At First United, we believe that to spend life wisely, you should have a balance in the four pillars of wellness, personal development, financial well-being and faith. Check out our website blog at www.spendlifewisely.com.

MAJOR DUTIES AND RESPONSIBILITIES (ESSENTIAL FUNCTIONS)

• 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.

ADDITIONAL DUTIES AND RESPONSIBILITIES

• 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.

EMPLOYEE SPECIFICATIONS

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 individuals with disabilities to perform the essential functions.

EDUCATION AND WORK EXPERIENCE

• 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.

TECHNICAL/FUNCTIONAL COMPETENCIES

• 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.

NOTE: This job description is not intended to be all-inclusive. Employee may perform other related duties as assigned by supervisor to meet the ongoing needs of the organization.

If any applicant is unable to complete an application or respond to a job opening because of a disability, please email us at HR@firstunitedbank.com for assistance.