Career Opportunities with FirstBank

Tennessee’s premier community bank, dedicated to meeting our clients’ needs – big and small.

Careers At FirstBank
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FirstBank is an Equal Opportunity Employer of women, minorities, protected veterans and individuals with disabilities.

Loan Review Officer II

Territory: Nashville, TN

Conduct Reviews on moderate to more complex assigned loans to ascertain quality of loan portfolio in each market or portfolio sector. The ILO II will participate in the examination of the Bankís commercial loan, commercial real estate, mortgage, manufacturing housing portfolio and consumer portfolios. Consults with higher loan review officers to complete reviews. In this role, you will manage and maintain the integrity of our risk management functions by ensuring that acceptable credit standards are maintained and that loans conform to established Bank policy and procedures, as well as, regulatory requirements. Reviews compliance with loan policy and regulatory requirements to minimize losses and ensure company lending practices conform to established policy. Provides effective communication of findings to lending staff, bank management and loan review management. 

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned.

  •  Conducts an independent review of moderate to complex assigned loans to measure underwriting adequacy, soundness of loan administration policy, documentation adequacy, collateral evaluation, risk rating, and problem loan administration. All reviews should measure compliance with loan policy and regulatory requirements.
  •  Produces reports documenting review findings for presentation to senior management. Reports follow an established structure per department guidelines.
  •  Review and assess the bankís Manufacture Housing and Specialty Lending portfolios.  
  •  Provides verbal presentation of review findings to appropriate audience, primarily division management, lending staff, and credit management.
  •  Maintains a good working knowledge of FirstBank's lending policies and procedures to measure policy compliance during review. Stays informed on new loan products, industry trends and regulatory changes. 
  •  Consults with Director of Loan Review on problem loan issues and ALLL impact after reviewing various loan status reports.
  •  Review and assess the adequacy of the bankís Allowance for Loan and Lease Losses (ALLL) methodology.
  •  Assist Director of Loan Review with other duties and responsibilities, as assigned.  
  •  Maintains a good working knowledge of FirstBank's lending policies and procedures to measure policy compliance during review. Stays informed on new loan products, industry trends and regulatory changes. 

Requirements

 

Bachelorís degree (B. A.) in finance or accounting from a four-year college or university and a minimum of 3-5 years loan review, commercial lending, and credit analysis or related experience required; proven level of highly-developed skills in relationship building; ability to manage and mentor lower level credit risk review officers. Experience in Accounting and/or Manufacture Housing Lending is preferred.

  •  Proficient in Excel, Word, lending and risk analyst applications.
  •  Strong analytical, problem solving and organizational skills.

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