*****LOCAL HOUSTON AREA CANDIDATES ONLY.  THIS POSITION IS A HYBRID ROLE BUT REQUIES IN-OFFICE WORK IN THE GREENWAY PLAZA AREA OF HOUSTON.****

***** CANDIDATES MUST HAVE COMMERCIAL CREDIT REVIEW OR COMMERCIAL UNDERWRITING EXPERIENCE IN THE BANKING INDUSTRY.  IF YOU DO NOT HAVE THIS EXPERIENCE, PLEASE DO NOT APPLY.****

Our client, a mid-sized bank in Houston, TX, is looking for a Senior Loan Review Analyst / Senior Credit Analyst on a direct hire basis.  This position is located in the Greenway Plaza area of town.  

The position will do risk review and analysis on loans that are already credit approved and booked.  This is a secondary approval process.  This is a great next step in the career of a Credit Analyst or Underwriter to be more well rounded!

1. Perform specific individual loan or borrower relationship reviews to analyze adherence to loan policy and procedures, relevant laws, regulations, and supervisory guidance.
2. Conduct regular reviews of commercial, consumer, and mortgage loan portfolios to assess credit quality, performance, loan structure, collateral adequacy, compliance with bank policies, regulatory requirements, and overall risk exposure.
3. Review borrower financial statements, credit reports, and other relevant documentation to assess the ability to repay loans and the overall creditworthiness of borrowers.
4. Prepare detailed reports and summaries of loan review findings for senior management, highlighting any areas of concern and suggesting corrective actions. Document loan review results and maintain accurate records.
5. Conducts ongoing portfolio reviews, as directed, to monitor credit risk trends, identify emerging risks, and provide actionable insights to senior management. Supports or leads the development of periodic credit risk review reports, as directed.
6. As directed reviews various individual loans or borrower relationships, including the Bank’s significant loans and targeted reviews, as approved in the annual credit risk review scope, in order to identify significant changes in the overall quality of the loan portfolio and detect possible deteriorating credit quality.
7. Recommends credit risk grades and comments on credit administration including soundness of underwriting, risk identification, financial /loan covenant /collateral documentation exceptions, and loan monitoring to the Director of Credit Risk Review.
8. Reviews adequacy of the sources of repayment, validity of assumptions, creditworthiness of guarantors/sponsors, and quality of the information used in the credit loss estimation process, including the reasonableness of assumptions used and the timeliness of charge-offs.
9. Reviews internal loan reports, including past-due and criticized loan reports, supervisory examination reports, and other applicable credit data, for possible downgrading of emerging problem loans.
10. Assists with credit risk review related inquiries from internal/external auditors and regulatory examiners, as directed.

Qualifications:

• 3-7 years of experience in banking as a Credit Analyst/Senior Credit Analyst, Commercial Underwriter, or Portfolio Manager.   
• Commercial loan review experience

Salary range is $80-100K based upon years of experience.  3 years is in the lower end of the salary range and 5+ years is in the higher end of the salary range.