Loan Review Officer II

Associated Bank

Full-time - Mid Level

Credit Intermediation and Related Activities

About the position

At Associated Bank, we strive to create an inclusive culture where different perspectives are valued and recognized as strengths critical to our success. If you thrive in an environment where your growth and development are encouraged and supported, then Associated Bank may be the right place for you. As a Loan Review Officer II, you will be responsible for conducting loan review analysis of a specific segment of loans (i.e. CRE, C&I, Specialized, Retail) in the bank's portfolio under direct supervision from Senior Loan Review officers. You will evaluate compliance with regulatory guidelines and bank policies, assess the condition and quality of individual credits based on financial, collateral, and documentation analysis, and quantify metrics such as debt service capacity, leverage, liquidity, collateral coverage, and guarantor support. Additionally, you will determine the appropriate risk rating for borrowers according to current Lending Policy and regulatory guidance, promptly identifying and reporting any issues to senior Loan Review Officers. In this role, you will conduct loan review analysis of loans in the bank's various portfolios. Your responsibilities will include evaluating compliance with regulatory guidelines and bank policies, assessing the condition and quality of individual credits based on financial, collateral, and documentation analysis, and determining the appropriate risk rating on accounts according to current Lending Policy. You will also participate in special projects and targeted risk assessments as directed by department management, interact with lending officers, credit administration, loan servicing, and other bank employees in the process of performing risk assessment due diligence, and under the direction of a senior Loan Review officer, participate in discussions with affiliate management regarding loan grading and conclusions regarding credit underwriting, approval, and administration. This position requires you to develop and maintain functional partnerships with colleagues in the line of business to ensure effective loan grading communications.

Responsibilities

• Conduct loan review analysis of loans in the bank's various portfolios.
• Evaluate compliance with regulatory guidelines and bank policies.
• Assess the condition and quality of individual credits based on financial, collateral, and documentation analysis.
• Determine the appropriate risk rating on accounts according to current Lending Policy.
• Participate in special projects and targeted risk assessments as directed by department management.
• Interact with lending officers, credit administration, loan servicing, and other bank employees in the process of performing risk assessment due diligence.
• Participate in discussions with affiliate management regarding loan grading and conclusions regarding credit underwriting, approval, and administration.
• Develop and maintain functional partnerships with colleagues in the line of business to ensure effective loan grading communications.

Requirements

• Bachelor's Degree in Business with an emphasis in Finance or Accounting (Required).
• 5-7 years of experience in Loan Review, Commercial Lending, Credit Administration, or Regulatory Examination (Required).
• BAI Loan Review Certificate within 2 years (Required).
• Master's Degree (Preferred).
• 7-10 years of experience in Loan Review, Commercial Lending, Credit Administration, or Regulatory Examination (Preferred).
• RMA Credit Risk Certification (Preferred).
• Other RMA Credit Risk Certified within 3-5 years (Preferred).
• CPA - Certified Public Accountant within 3-5 years (Preferred).
• CFA - Chartered Financial Analyst within 3-5 years (Preferred).

Nice-to-haves

• Experience in a banking environment.
• Strong analytical and problem-solving skills.
• Excellent communication and interpersonal skills.

Benefits

• 401(k) retirement savings plan
• Paid time off to volunteer in your community
• Parental leave
• Employee stock purchase plan
• Well-being programs and incentives
• Personal banking, loan, investment, and insurance benefits
• Competitive salaries with professional development and advancement opportunities