DAY IN THE LIFE OF A LOAN REVIEW OFFICER

As our Loan Review Officer, you are responsible for reviewing a variety of new and existing loans. Using predetermined criteria, you review each portfolio to ensure compliance with our lending policies. You make sure that our high credit and collateral standards are maintained at all times. You also identify problem loans and make recommendations for final credit grades, including a detailed explanation of your rationale.

You act as an administrator of our tracking systems for financial statements and exception reports. Working closely with the Chief Credit Officer, you assist in the preparation for any audits. Under your excellent leadership, department personnel are inspired to perform their responsibilities in an efficient and accurate manner. Your style of management fosters teamwork, respect, accountability, and trust.

In relation to the extension of credit, you assist in developing policies and procedures for risk management. Using existing loan relationships, you validate the accuracy of our credit grading and loan rating system. You evaluate portfolio trends with respect to multiple areas, such as delinquency, bankruptcy, demographics, and other factors. Additionally, you prepare monthly and quarterly reports as well as make presentations to the board.

You also review bank processes associated with loan approvals, policy exception reporting, supervisory loan to value limits, underwriting, covenants, internal controls, concentration reporting, and the allowance for loan and lease loss (ALLL) methodology. You get great satisfaction out of playing an important role in our loan origination and risk management, so we can continue serving our valued banking and lending customers!

QUALIFICATIONS FOR A LOAN REVIEW OFFICER

• Bachelor's degree in business, finance, accounting, or a related field
• 7+ years of commercial, consumer, or mortgage loan origination or analysis experience
• Ability to effectively uses Microsoft Office Suite and other applicable software solutions
• Ability to comply with the Bank Secrecy Act along with laws and regulations associated with money-laundering, such as the USA PATRIOT Act and OFAC
• Leadership ability

Sutton Bank is an Equal Employment Opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity, disability or protected veteran status.

Location: 44807