Loan Review Officer

Forge Search; Greenville (SC); On-site; USD 90,000 - 120,000; Full time

Job summary

Forge Search is partnering with a Southeast financial institution to recruit a Loan Review Officer in the Greenville area. The role focuses on independent assessment and oversight of credit risk across the bank’s loan portfolio, suitable for a commercial credit or banking professional who enjoys analyzing complex credit relationships.

You will lead examinations, evaluate borrower repayment capacity, identify weaknesses, support risk management, and communicate findings to executive management.

Qualifications

• Bachelor’s degree or equivalent education and experience.
• 5+ years of relevant banking or credit experience.
• Strong commercial credit analysis skills.
• Knowledge of lending, underwriting, risk ratings, and banking regulations.

Responsibilities

• Conduct independent reviews and assessments of the bank’s loan portfolio in accordance with regulatory guidance, Board-approved policies, and industry best practices.
• Lead examinations of credit portfolios and processes, identifying key observations, trends, weaknesses, and emerging risks.
• Evaluate borrower repayment capacity and verify the accuracy of assigned internal credit risk ratings.
• Identify potential credit weaknesses, including deficiencies in underwriting, credit analysis, and credit or collateral documentation.
• Identify credit exposures outside established lending limits, risk appetite, credit policies, or prudent lending standards.
• Evaluate adherence to credit policies, underwriting guidelines, regulatory requirements, and established credit controls.
• Review policy exceptions and assess whether appropriate controls and risk management practices are in place.
• Recommend improvements to credit risk management processes, lending practices, underwriting guidelines, and credit policies.
• Prepare clear and comprehensive reports summarizing findings, portfolio trends, emerging risks, and recommendations.
• Communicate credit risk findings and concerns effectively to executive management and key stakeholders.
• Maintain current knowledge of banking regulations, regulatory guidance, credit risk practices, and industry trends.
• Support the Risk team with special projects and other credit risk initiatives as needed.
• Maintain high ethical and professional standards and comply with all applicable policies, procedures, regulations, and laws.

Skills

Strong commercial credit analysis

Analytical skills

Attention to detail

Communication skills

Education

Bachelor’s degree or equivalent education and experience

Job description

Our client is a growing, relationship-focused financial institution with a strong presence across the Southeast. The organization combines the resources and sophistication of an established bank with a collaborative, people-first culture where employees have meaningful visibility and the opportunity to make an impact.

They are seeking a Loan Review Officer to provide independent assessment and oversight of credit risk across the bank’s loan portfolio. This is an excellent opportunity for a commercial credit or banking professional who enjoys analyzing complex credit relationships, identifying potential risks, and providing insight to help strengthen the bank’s overall credit quality and lending practices.

Essential Duties & Functions

• Conduct independent reviews and assessments of the bank’s loan portfolio in accordance with regulatory guidance, Board-approved policies, and industry best practices.


• Lead examinations of credit portfolios and processes, identifying key observations, trends, weaknesses, and emerging risks.


• Evaluate borrower repayment capacity and verify the accuracy of assigned internal credit risk ratings.


• Identify potential credit weaknesses, including deficiencies in underwriting, credit analysis, and credit or collateral documentation.


• Identify credit exposures outside established lending limits, risk appetite, credit policies, or prudent lending standards.


• Evaluate adherence to credit policies, underwriting guidelines, regulatory requirements, and established credit controls.


• Review policy exceptions and assess whether appropriate controls and risk management practices are in place.


• Recommend improvements to credit risk management processes, lending practices, underwriting guidelines, and credit policies.


• Prepare clear and comprehensive reports summarizing findings, portfolio trends, emerging risks, and recommendations.


• Communicate credit risk findings and concerns effectively to executive management and key stakeholders.


• Maintain current knowledge of banking regulations, regulatory guidance, credit risk practices, and industry trends.


• Support the Risk team with special projects and other credit risk initiatives as needed.


• Maintain high ethical and professional standards and comply with all applicable policies, procedures, regulations, and laws.


• Perform additional duties and responsibilities as assigned.

Qualifications

• Bachelor’s degree or equivalent education and experience.


• 5+ years of relevant banking or credit experience.


• Strong commercial credit analysis skills.


• Knowledge of lending, underwriting, risk ratings, and banking regulations.


• Strong analytical, organizational, and attention-to-detail skills.


• Excellent communication skills with sound independent judgment.