What are the responsibilities and job description for the Loan Review Analyst position at Winston Staffing Services?
Role Summary:1. The Loan Review Analyst is responsible for :*independently reviewing commercial real estate loans to accurately assess credit quality, assign appropriate risk ratings, and ensure compliance with company policy and regulatory guidelines. This role directly contributes to minimizing credit/loan losses by proactively identifying and reporting potential credit weaknesses.* Analyze property and guarantor financial information (operating statements, rent rolls, tax returns, etc.) to determine property cash flow, trends, and debt repayment ability.Minimizing potential credit/loan losses by promptly identifying and documenting all loans and relationships with potential credit weaknesses, ensuring zero critical omissions in reporting.* Prepare comprehensive loan review reports detailing property cash flow, calculated financial ratios, and an individualized risk rating assessment for each loan.Maintaining an up-to-date and accurate risk profile by analyzing and integrating findings from third-party documents (appraisals, property inspections) and market data into the final review.* Order and review property inspection and appraisal reports to identify potential credit risks and conditions affecting collateral.2. Portfolio Management & Criticized Asset ReportingProviding actionable insight on high-risk assets by completing criticized/classified loan reports with a 95% accuracy rate on risk rating classification and collateral evaluation, supporting timely intervention.* Prepare criticized/classified loan reports to assess asset performance, evaluate the risk rating classification, determine necessary action, and provide updated collateral evaluations.Ensuring proactive risk mitigation by following up on 100% of identified internal and external risk factors affecting credit transactions in a timely manner.* Identify, measure, and follow up on internal and external risk factors affecting credit transactions.Facilitating management oversight by preparing accurate periodic status reports and summary PivotTables that enable quick, informed management review.* Prepare periodic status reports and summary PivotTables for management review.3. Documentation, Compliance, & Operational EfficiencyMaintaining audit-ready documentation by reviewing and validating all legal and credit documents (mortgage notes, underwriting, leases) for completeness and accuracy prior to report finalization.* Review legal & credit documents including mortgage notes, loan underwriting, appraisals, and lease agreements.Ensuring a high degree of compliance by adhering to all internal policies, procedures, and external regulations with zero major compliance exceptions during the review process.* Ensure compliance with all regulations, policies, and procedures.Driving process efficiency by effectively utilizing internal banking systems and databases to resolve potential data discrepancies and support team workflow.* Utilize internal bank systems and databases to resolve any potential discrepancies.Supporting seamless team operations by actively and consistently collaborating with colleagues, property managers, and external contacts to secure necessary information on time.* Communicate with Borrowers, Property Managers, Accountants, and other departments for the timely receipt of financial statements.Minimum Qualifications & Foundational RequirementsExperience: 1-3 years of banking and/or financial services experience in commercial real estate loan review, credit analysis, or underwriting preferred.Education: Bachelor's degree in Business Administration, Accounting, or Finance or related field preferred.Technical Skills: Advanced proficiency in Microsoft Excel (PivotTables, financial modeling), Word, and Outlook. Experience with banking programs/applications is a plus.
Salary : $24 - $25