Commercial loan reviewer job description
Updated March 14, 2024
9 min read
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Example commercial loan reviewer requirements on a job description
Commercial loan reviewer requirements can be divided into technical requirements and required soft skills. The lists below show the most common requirements included in commercial loan reviewer job postings.
Sample commercial loan reviewer requirements
- Minimum of a bachelor's degree in Finance, Accounting, or related field
- At least 3 years of experience in commercial loan underwriting or credit analysis
- Strong knowledge of financial analysis, credit risk assessment, and loan documentation
- Excellent proficiency in Microsoft Excel and financial modeling software
Sample required commercial loan reviewer soft skills
- Detail-oriented and able to work with complex financial data
- Strong analytical and problem-solving skills
- Excellent communication and interpersonal skills to work with clients and team members
- Ability to work independently and prioritize workload to meet tight deadlines
- Passion for staying current with industry trends and developments
Commercial loan reviewer job description example 1
Tyler Technologies commercial loan reviewer job description
Responsibilities
Qualifications
Work with our technology-driven solutions for property assessment and tax software and mass appraisal services. From data collection to computer-assisted mass appraisal to tax billing and collections, you can help develop property and recording solutions for the public sector.
Location
Regional (Harrisburg, PA) | Scranton, Pennsylvania
Travel
50-75%
Great Place to Work & Grow Your Career
Come join us as we transform the public sector! Our guide everything we do. We're also frequently recognized as a great workplace locally and nationally. See our many .
Taking Care of You & Your Family
Your health and well-being are important to us. That's why we invest in our team members by offering competitive benefits to support their health and financial wellness. .
- Final reconciliation of value considering cost, income, and market approach.
- Analyze income, cost, and land models to identify patterns or anomalies as applied to individual properties.
- Prepare and present defense of values to appointed Boards.
- Inspect and gather images of properties to ensure that property records reflect current and accurate property characteristics.
- Collect and record detailed property and economic data and verify data via interview with property owner or occupant if available.
Qualifications
- Two years or more experience as a commercial data collector or review appraiser.
- Practitioner - Tax Assessor or Appraiser
- Significant commercial mass appraisal experience
- Excellent analytical ability
- Spatial ability to read maps and locate a physical location on a map
- Ability to visualize floor plan footprints based on three-dimensional buildings
- Good math skills to calculate square footage, ratios, and similar functions
- Working knowledge of income capitalization
- General PC skills including knowledge of MS Word and Excel, or other equivalents, are desirable
- Must be able to provide reliable transportation, carry full insurance on vehicle and have valid driver's license.
Work with our technology-driven solutions for property assessment and tax software and mass appraisal services. From data collection to computer-assisted mass appraisal to tax billing and collections, you can help develop property and recording solutions for the public sector.
Location
Regional (Harrisburg, PA) | Scranton, Pennsylvania
Travel
50-75%
Great Place to Work & Grow Your Career
Come join us as we transform the public sector! Our guide everything we do. We're also frequently recognized as a great workplace locally and nationally. See our many .
Taking Care of You & Your Family
Your health and well-being are important to us. That's why we invest in our team members by offering competitive benefits to support their health and financial wellness. .
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Commercial loan reviewer job description example 2
Bank of the West commercial loan reviewer job description
At Bank of the West, our people are having a positive impact on the world. We're investing where we feel we can make the most impact, like advancing diversity and women entrepreneurship programs, financing for more small businesses, and promoting programs for sustainable energy. From our locations across the U.S., Bank of the West is taking action to help protect the planet, improve people's lives, and strengthen communities. We are part of BNP Paribas, a global leader supporting the UN Sustainable Development Goals (SDGs). Yes, we're a bank, but as the bank for a changing world, we are continually seeking to improve the ways we help our customers, while contributing to more sustainable and equitable growth.
This position has the option to work in one of our key hubs (San Ramon, CA, Tempe, AZ, Omaha, NE) or to work remotely as long as it is in within our 27 state working footprint which includes AZ, CA, CO, FL, GA, ID, IA, IL, KS, MI, MN, MO, NE, NV, NM, NC, ND, OH, OK, OR, SD, TX, UT, WA, WI, WY, NY.
**Job Description Summary**
The Inspection Group, as the Bank's periodic control function (i.e., third line of defense), independently assesses the effectiveness of the permanent control function (i.e., first and second lines of defense) to identify, measure, monitor, and control risks. The Credit Risk Review (CRR) team fulfills the responsibilities of the Credit Review (or Loan Review) function of the Bank, as defined by the 2020 Interagency Guidance on Credit Risk Review Systems.
Consistent with the Bank's growth plans in the large corporate / commercial lending space nationally across the US, we are seeking high caliber credit professionals possessing 5 years of commercial credit and/or credit review experience in a major bank / financial institution / credit consulting firm / regulatory agency. They should have a track-record of excellence in the credit field in the Corporate and Institutional (C&I) and Commercial Financing space, ideally gained in an underwriting, deal structuring, 2 nd line credit adjudication or credit review function, or a combination thereof. The candidate must be able to demonstrate solid expertise in credit analysis, financial and quantitative analysis, deal structures in the C&I space, syndicated facilities, and determination of risk-rating (including ideally, familiarity with PD / LGD rating models and methodology and use of scorecards). In addition, knowledge and insights into the economic environment and its impact on different industry sectors, awareness of competitive dynamics in the financial services sector and the intellectual curiosity to learn will be key success factors in the role and help facilitate career growth.
The candidate's technical expertise will be complemented by excellent communication skills (both verbal and written), and the ability to successfully engage in complex discussions with unit heads of business divisions being audited (auditees).
_To the right candidate, the Bank is committed to providing a rewarding, motivating and long-term career in a dynamic and result-oriented environment. Our ability to offer career growth in a business involving diverse lending platforms is a direct result of our close affiliation with our international parent, the BNP Paribas Group, a reputed global powerhouse in financial services with a consistent record of profit growth and strong capitalization, and an established international footprint._
**Essential Job Functions**
The Credit Risk Reviewer is primarily responsible for the day-to-day delivery of credit review work on the audit she/he has been assigned to.
Specifically, the incumbent will:
1. Perform comprehensive credit review of a judgmentally selected sample of higher risk commercial credits. The credits will involve loans in a diverse range of business platforms and industries.
2. Use credit and financial analysis expertise to examine and opine on quality and adequacy of underwriting, including analysis of operational and financial strengths/weaknesses of borrowers, cash flow, leverage and liquidity, competitive positioning, and external/industry factors impacting the business.
3. Review credits and hold discussions with the underwriting (Level 1) and RISK (Level 2) teams as required, to opine on comprehensiveness in underwriting relative to risk identification and mitigation (financial and business risks), deal structure and collateral analysis and take all analyzed factors into account to opine on the appropriateness of the credit risk rating assigned to the borrower.
4. As necessary, engage in discussions with Level 1 and Level 2 teams to communicate decision to downgrade risk rating of reviewed credits.
5. Use Risk Based Audit principles to review governance, risk and control framework / processes, including review of credit policies and procedures, identification of process risks and controls, assessment and sample-testing of controls.
6. Discuss exceptions / issues with Audit Head of Assignment and the Head of Credit Review (Director), drafts findings and engages in discussions with auditees to communicate findings.
7. Understand the underlying risks applicable to the area of audit responsibilities through continuous monitoring activities. Requires strong credit risk, audit, compliance, banking, and/or product knowledge.
8. Review and prepare ongoing risk assessments of the Bank's business platforms (auditable entities).
9. Maintain updated knowledge on industry developments in affected areas of assigned responsibilities.
10. Complete audit recommendation validation work.
11. Communicate effectively, clearly, concisely, and accurately using written and verbal communications with all levels of management.
12. Depending on experience, it could be expected that the candidate will quickly be able to demonstrate the capability to lead credit review assignments as the Head of Assignment (HOA).
13. Ensure BNP Paribas Inspection Generale and Bank of the West Inspection Group policies and procedures are adhered to on audit assignments.
14. Work and collaborates with other team members to ensure that Inspection Group objectives are successfully attained.
**Qualifications**
**Qualifications**
+ Bachelor's Degree in applicable and related field - Required
+ License(s) or Certifications in CIA, CISA, CPA, CAMS, and/or CRCM - Preferred
+ Commercial credit background and expertise in credit analysis / underwriting is a requirement. Additionally, experience in credit review and/or credit audit is highly desirable.
+ Requires 7 years minimum prior relevant experiencer
+ A minimum of 5 years of credit and/or credit review experience is preferred, but competent candidates with solid potential but having less experience are also encouraged to apply.
+ Working expertise with Microsoft Office software, especially Excel, PowerPoint and Word.
Credit expertise may include one or more of the following segments: Commercial and industrial lending; commercial real estate; trade finance; financial statement analysis; loan underwriting and structure; valuation; highly-leveraged transactions; accounting standards; Uniform Commercial Code; capital markets and other non-traditional credit areas including off-balance sheet credit risk; etc. (experience in 1 st line underwriting and/or 2 nd line credit risk management / adjudication and/or loan review is highly desirable).
**Annual Hiring Range:**
$85,000 - $125,000
Actual compensation offer to candidate may vary from posted hiring range based upon geographic location, work experience, education, and/or skill level.
+ In addition to base salary, this position is eligible for Annual incentives.
The base salary opportunity can vary based on candidate's geographic location, experience, knowledge, skills, and abilities.
**Equal Employment Opportunity Policy**
Bank of the West is an Equal Opportunity employer and proud to provide equal employment opportunity to all job seekers without regard to any status protected by applicable law. Bank of the West is also an Affirmative Action employer - Minority / Female / Disabled / Veteran.
Bank of the West will consider for employment-qualified applicants with criminal histories pursuant to the San Francisco Fair Chance Ordinance subject to the requirements of all state and federal laws and regulations.
\#LI-Remote
\#LI-AL1
**Job:** Audit
**Location:** United States-California-San Ramon
**Other Locations:** United States-Texas-General TX, United States-Arizona-General AZ, United States-California-General CA, United States-Illinois-General IL, United States-Nebraska-General NE
This position has the option to work in one of our key hubs (San Ramon, CA, Tempe, AZ, Omaha, NE) or to work remotely as long as it is in within our 27 state working footprint which includes AZ, CA, CO, FL, GA, ID, IA, IL, KS, MI, MN, MO, NE, NV, NM, NC, ND, OH, OK, OR, SD, TX, UT, WA, WI, WY, NY.
**Job Description Summary**
The Inspection Group, as the Bank's periodic control function (i.e., third line of defense), independently assesses the effectiveness of the permanent control function (i.e., first and second lines of defense) to identify, measure, monitor, and control risks. The Credit Risk Review (CRR) team fulfills the responsibilities of the Credit Review (or Loan Review) function of the Bank, as defined by the 2020 Interagency Guidance on Credit Risk Review Systems.
Consistent with the Bank's growth plans in the large corporate / commercial lending space nationally across the US, we are seeking high caliber credit professionals possessing 5 years of commercial credit and/or credit review experience in a major bank / financial institution / credit consulting firm / regulatory agency. They should have a track-record of excellence in the credit field in the Corporate and Institutional (C&I) and Commercial Financing space, ideally gained in an underwriting, deal structuring, 2 nd line credit adjudication or credit review function, or a combination thereof. The candidate must be able to demonstrate solid expertise in credit analysis, financial and quantitative analysis, deal structures in the C&I space, syndicated facilities, and determination of risk-rating (including ideally, familiarity with PD / LGD rating models and methodology and use of scorecards). In addition, knowledge and insights into the economic environment and its impact on different industry sectors, awareness of competitive dynamics in the financial services sector and the intellectual curiosity to learn will be key success factors in the role and help facilitate career growth.
The candidate's technical expertise will be complemented by excellent communication skills (both verbal and written), and the ability to successfully engage in complex discussions with unit heads of business divisions being audited (auditees).
_To the right candidate, the Bank is committed to providing a rewarding, motivating and long-term career in a dynamic and result-oriented environment. Our ability to offer career growth in a business involving diverse lending platforms is a direct result of our close affiliation with our international parent, the BNP Paribas Group, a reputed global powerhouse in financial services with a consistent record of profit growth and strong capitalization, and an established international footprint._
**Essential Job Functions**
The Credit Risk Reviewer is primarily responsible for the day-to-day delivery of credit review work on the audit she/he has been assigned to.
Specifically, the incumbent will:
1. Perform comprehensive credit review of a judgmentally selected sample of higher risk commercial credits. The credits will involve loans in a diverse range of business platforms and industries.
2. Use credit and financial analysis expertise to examine and opine on quality and adequacy of underwriting, including analysis of operational and financial strengths/weaknesses of borrowers, cash flow, leverage and liquidity, competitive positioning, and external/industry factors impacting the business.
3. Review credits and hold discussions with the underwriting (Level 1) and RISK (Level 2) teams as required, to opine on comprehensiveness in underwriting relative to risk identification and mitigation (financial and business risks), deal structure and collateral analysis and take all analyzed factors into account to opine on the appropriateness of the credit risk rating assigned to the borrower.
4. As necessary, engage in discussions with Level 1 and Level 2 teams to communicate decision to downgrade risk rating of reviewed credits.
5. Use Risk Based Audit principles to review governance, risk and control framework / processes, including review of credit policies and procedures, identification of process risks and controls, assessment and sample-testing of controls.
6. Discuss exceptions / issues with Audit Head of Assignment and the Head of Credit Review (Director), drafts findings and engages in discussions with auditees to communicate findings.
7. Understand the underlying risks applicable to the area of audit responsibilities through continuous monitoring activities. Requires strong credit risk, audit, compliance, banking, and/or product knowledge.
8. Review and prepare ongoing risk assessments of the Bank's business platforms (auditable entities).
9. Maintain updated knowledge on industry developments in affected areas of assigned responsibilities.
10. Complete audit recommendation validation work.
11. Communicate effectively, clearly, concisely, and accurately using written and verbal communications with all levels of management.
12. Depending on experience, it could be expected that the candidate will quickly be able to demonstrate the capability to lead credit review assignments as the Head of Assignment (HOA).
13. Ensure BNP Paribas Inspection Generale and Bank of the West Inspection Group policies and procedures are adhered to on audit assignments.
14. Work and collaborates with other team members to ensure that Inspection Group objectives are successfully attained.
**Qualifications**
**Qualifications**
+ Bachelor's Degree in applicable and related field - Required
+ License(s) or Certifications in CIA, CISA, CPA, CAMS, and/or CRCM - Preferred
+ Commercial credit background and expertise in credit analysis / underwriting is a requirement. Additionally, experience in credit review and/or credit audit is highly desirable.
+ Requires 7 years minimum prior relevant experiencer
+ A minimum of 5 years of credit and/or credit review experience is preferred, but competent candidates with solid potential but having less experience are also encouraged to apply.
+ Working expertise with Microsoft Office software, especially Excel, PowerPoint and Word.
Credit expertise may include one or more of the following segments: Commercial and industrial lending; commercial real estate; trade finance; financial statement analysis; loan underwriting and structure; valuation; highly-leveraged transactions; accounting standards; Uniform Commercial Code; capital markets and other non-traditional credit areas including off-balance sheet credit risk; etc. (experience in 1 st line underwriting and/or 2 nd line credit risk management / adjudication and/or loan review is highly desirable).
**Annual Hiring Range:**
$85,000 - $125,000
Actual compensation offer to candidate may vary from posted hiring range based upon geographic location, work experience, education, and/or skill level.
+ In addition to base salary, this position is eligible for Annual incentives.
The base salary opportunity can vary based on candidate's geographic location, experience, knowledge, skills, and abilities.
**Equal Employment Opportunity Policy**
Bank of the West is an Equal Opportunity employer and proud to provide equal employment opportunity to all job seekers without regard to any status protected by applicable law. Bank of the West is also an Affirmative Action employer - Minority / Female / Disabled / Veteran.
Bank of the West will consider for employment-qualified applicants with criminal histories pursuant to the San Francisco Fair Chance Ordinance subject to the requirements of all state and federal laws and regulations.
\#LI-Remote
\#LI-AL1
**Job:** Audit
**Location:** United States-California-San Ramon
**Other Locations:** United States-Texas-General TX, United States-Arizona-General AZ, United States-California-General CA, United States-Illinois-General IL, United States-Nebraska-General NE
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Updated March 14, 2024
Updated March 14, 2024