What are the responsibilities and job description for the Loan Review Analyst position at First Security Bank?
Important Information Regarding Application Process: Please note that we do not accept resumes and encourage applicants to include work history on our formal application available via the "Apply Now" link. *Data from a resume cannot be downloaded into an application. We invite you to view additional job opportunities at https://www.fsbank.com/about/join-us/.
Summary
First Security Bank is seeking a professional, energetic, and team-oriented individual to join our team as a Loan Review Analyst! If you are passionate about serving our Arkansas communities and want to be part of a dynamic, service-driven team, we encourage you to apply!
In this role, you will review loan files in accordance with established policies and procedures to mitigate risk. This position requires on-site work.
QUALIFICATIONS | EDUCATION | EXPERIENCE | SKILLS
To perform this job successfully, an individual must be able to execute each essential duty satisfactorily. The items listed below are representative of the knowledge, skill, and/or abilities necessary for this position.
Essential Duties And Responsibilities
Adhere to all department and company policies and procedures and follow applicable banking regulations.
Soft Skills
Foster a culture that values high ethical conduct, critical thinking, problem-solving, engagement, teamwork, and provides exceptional service. Establish positive and productive work relationships that provide honest feedback that generates trust.
PHYSICAL DEMANDS
Possess sufficient mobility to work in a standard office setting. Perform repetitive hand, arm, wrist, and finger movements while handling currency, documents, and/or office equipment. Substantial time may be spent on the telephone, operating computers, reaching, sitting, and/or standing while occasionally stooping, kneeling, or crouching. The employee must have the ability to speak and hear well enough to carry on customer interactions, conversations, and presentations both in person and over telecommunications. Have near/far visual acuity to identify customers, currency, and reading materials in printed or electronic formats. The employee must occasionally lift and move up to 10 pounds.
The work environment described here is representative of what an employee encounters while performing the essential functions of this job successfully. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.
MENTAL DEMANDS
The duties of this position require the ability to maintain attention to detail and complete work projects accurately in a short amount of time, despite interruptions. The employee must be able to interact with customers/coworkers in a calm and patient manner and maintain confidentiality and professionalism in all situations. The employee must be able to use basic mathematical skills, including adding, subtracting, multiplying, and dividing numbers. The position also requires the ability to read and interpret documents and draft routine written communications.
Summary
First Security Bank is seeking a professional, energetic, and team-oriented individual to join our team as a Loan Review Analyst! If you are passionate about serving our Arkansas communities and want to be part of a dynamic, service-driven team, we encourage you to apply!
In this role, you will review loan files in accordance with established policies and procedures to mitigate risk. This position requires on-site work.
QUALIFICATIONS | EDUCATION | EXPERIENCE | SKILLS
To perform this job successfully, an individual must be able to execute each essential duty satisfactorily. The items listed below are representative of the knowledge, skill, and/or abilities necessary for this position.
- Must be at least 18 years of age.
- High School Diploma or GED required.
- Bachelor’s degree in business or accounting is required or
- Bachelor’s degree and 3 years of applicable banking experience required.
- Credit Analysis experience preferred.
- Proficiency with Outlook, Word, Excel, typing, 10-key, and utilization of the internet is required.
- Commitment to demonstrating Core 5 values with customers and coworkers.
Essential Duties And Responsibilities
Adhere to all department and company policies and procedures and follow applicable banking regulations.
- Evaluate credit decisions and assigned risk ratings; verify the accuracy and timeliness of repayments, covenant compliance, and ongoing loan monitoring while ensuring all actions comply with applicable loan policies, procedures, legal requirements, and regulatory standards.
- Prepare and submit all required reports to management in an accurate and timely manner.
- Assist with FDIC and ASBD bank examinations by coordinating and preparing all necessary documentation before and after the review.
- Review income documentation, business financials, and personal financial statements to determine applicant risk in accordance with lending standards.
- Evaluate all aspects of required due-diligence checkpoints, including automated underwriting findings, LTV calculations, credit reports, applications, income/asset documentation, and appraisal reports—to ensure loans meet policy and procedural standards.
- Verify the accuracy of risk ratings using Excess workbooks and provide detailed written support and recommendations, clearly documenting findings and any identified credit weaknesses.
- Independently complete assigned reviews while meeting productivity, quality, and timeliness standards
- Protect all customer information and bank operations through strict confidentiality.
- Operate computer software and equipment, telephone, scanner, and copier, and develop proficiency with internal banking systems.
- Maintain reliable transportation, punctual attendance, and the ability to work on-site with extended hours when necessary.
- Perform additional duties as assigned by management.
Soft Skills
Foster a culture that values high ethical conduct, critical thinking, problem-solving, engagement, teamwork, and provides exceptional service. Establish positive and productive work relationships that provide honest feedback that generates trust.
PHYSICAL DEMANDS
Possess sufficient mobility to work in a standard office setting. Perform repetitive hand, arm, wrist, and finger movements while handling currency, documents, and/or office equipment. Substantial time may be spent on the telephone, operating computers, reaching, sitting, and/or standing while occasionally stooping, kneeling, or crouching. The employee must have the ability to speak and hear well enough to carry on customer interactions, conversations, and presentations both in person and over telecommunications. Have near/far visual acuity to identify customers, currency, and reading materials in printed or electronic formats. The employee must occasionally lift and move up to 10 pounds.
The work environment described here is representative of what an employee encounters while performing the essential functions of this job successfully. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.
MENTAL DEMANDS
The duties of this position require the ability to maintain attention to detail and complete work projects accurately in a short amount of time, despite interruptions. The employee must be able to interact with customers/coworkers in a calm and patient manner and maintain confidentiality and professionalism in all situations. The employee must be able to use basic mathematical skills, including adding, subtracting, multiplying, and dividing numbers. The position also requires the ability to read and interpret documents and draft routine written communications.