Wednesday, March 3, 2010

Vice President, Loan Review Manager - Indianapolis Headquartered National Bank

Vice President &
Loan Review Manager
Indianapolis Headquartered National Ban

The incumbent is accountable for supervising the loan review process and for reviewing, examining and rating the Bank’s loan portfolio in order to protect the Bank’s loan assets from loss and ensure the quality of loans and compliance with applicable procedures, laws, and regulations. The incumbent provides the highest quality of service to every customer.

Essential Functions:
•Examine, analyze and assign loan ratings to all credit relationships with aggregate debt over prescribed limit and other selected loans in order to determine loan quality in accordance with Bank policy, regulatory guidelines and OCC examinations. Findings from these reviews are are provided to the Loan Policy Committee and individual loan officers.
•Oversee the timely and accurate compilation and preparation of various reports in order to keep the Loan Policy Committee and Bank management informed of loan and credit quality.
•Prepare recommendations to the CEO for approval of accrual status changes, charge-offs, and grade changes, as appropriate per Loan Policy.
•Non-voting member of the Loan Committee and Classified Credit Review Committee
•Perform a quarterly analysis of the loan and lease losses reserve in accordance with Bank policy and regulatory guidelines in order to ensure the adequacy of the Bank’s allowance for loan and lease losses.
•Supervise and provide effective training of subordinate personnel in order to develop and maintain a highly motivated and productive staff.
•Develop and maintain a personal program for maintaining an adequate level of knowledge in loan review matters, management techniques and personal skills and demonstrate personal and interpersonal behavior, attitude, judgment, communication and initiative with customers and employees in order to ensure an acceptable degree of performance.

Additional Responsibilities
•May serve on various Bank committees.
•Special projects as assigned by the First Vice President & Chief Credit Officer.

Required Education, Experience, and Skills
•Bachelor’s degree in finance or business or equivalent educational experience.
•Knowledge of government regulations, Bank policy and required documentation regarding loans.
•Abiliity to communicate effectively with loan officers regarding the results of the review process.
•Skill in recognizing loan documentation deficiencies
•Skill in determining the credit worthiness of borrower.
•Three years of experience in loan review and a background in financial statement analysis
•High degreee of accuracy and attention to detail
•Ability to interpret and analyze data
•Ability to organize and prioritize tasks
•High level computer proficiency

Physical Requirements:
•This position requires frequent sitting

Equipment Used
•Computer, printer, telephone, fax machine, and photocopier.

Supervisory Requirements
•This position does have direct supervisory responsibilities.

Working Conditions
•Office environment

Quietly one of the fastest equity growth banks in Indiana and the US. While growth has been in double digits for over a decade, the working environment is professional, but laid back and family oriented. The organization is still small enough to know everyone on a first name basis, from the President to the Tellers. The bank is focused on personal, relationship oriented service to small-middle market business and wealth management clients.

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