The senior credit officer is responsible for the review of the
organization’s loan portfolio on a continuing basis in order to prevent or
ameliorate loan losses; assure documentation is in compliance with loan
committee approvals and ensure internal compliance objectives are met.
the full range of managerial duties for the loan review, compliance,
collections and credit analysis functions including adherence to policies
and practices of the organization.
a system of credit analysis and quality assurance for loans made as
required by board directives.
files periodically for assurance of credit and collateral documentation,
regulatory compliance and loan policy conformance; review technical
exceptions and deficiencies.
written analyses on all large loans, aggregate lending vs. indebtedness
for individual borrowers, complex loans and weak loans.
problem loans, make recommendations for assignment of loans to review loan
list that is reviewed quarterly with the board; discuss the status of
problem loans with the CFO and senior lending officers and may make
recommendations regarding the future credit information needs.
quarterly analyses of the adequacy of the allowance for loan and lease
losses for board discussion.
periodic board reports.
periodic studies of various portions of the loan portfolio including past
due reports, concentrations of credit, etc. for the benefit of supervisory
and executive officers.
and recommend policy changes based on compliance or loan reviews and the
dissemination of other pertinent facts.
·Bachelor’s degree in a related field.
3-5 years experience in bank lending, loan review and/or compliance and
loan review/compliance procedures and policies.
MUST HAVE MANAGED A
PORTFOLIO OF 100MILLION AND ABOVE