Senior Loan Review Auditor — Risk & Compliance Lead

Wilson Bank & Trust; Lebanon (TN); On-site; USD 90,000 - 140,000; Full time

Benefits offered by this job

Generous benefits package

Employee Assistance Program

Employee Care Fund

Job summary

Wilson Bank & Trust seeks a Senior Loan Review Auditor in Lebanon, TN, to conduct independent, risk-based loan reviews across commercial, real estate, and consumer portfolios. You’ll validate credit quality, underwriting, risk ratings, and portfolio trends while coordinating third-party loan review engagements and reporting to leadership.

You’ll work with the Chief Risk Officer to develop corrective actions, track remediation, and support examiners with data-driven insights and strong

Qualifications

• Bachelor’s degree in accounting, finance, or similar field preferred.
• 5 years of bank audit, examination, or loan review experience.
• Proficient with Microsoft Office and other standard software applications.
• Prior experience with commercial and residential real estate data platforms to support market analysis and risk monitoring.
• Familiar with large commercial real estate and construction and land development loans.
• Knowledge of loan underwriting concepts such as cash flow and financial statement analysis.
• Ability to develop loan review audit scopes and complete reviews with minimal supervision.
• Excellent written and verbal communication skills including effective presentation skills.

Responsibilities

• Perform independent, risk-based loan reviews across commercial, consumer, real estate, and specialty portfolios as applicable.
• Plan and scope reviews based on risk, portfolio trends, growth, concentrations, and prior findings.
• Maintain knowledge of lending policy and procedure and identify deviation from policy.
• Participate in audit pre-planning meetings.
• Assist in the creation and ongoing development of audit programs to assess compliance with policies and internal controls.
• Adapt audit procedures as needed to comply with evolving credit risk trends, regulatory expectations, and internal policy updates.
• Prepare audit work papers that are properly documented, accurate, and completed in adherence with the annual loan review plan.
• Confer with Loan Review Manager regarding audit findings and assist with development of corrective action plans as needed.
• Assist in the preparation of reports for the quarterly Audit Committee meetings.
• Assist in the development of the annual loan review audit risk assessment.
• Participate in policy revisions and audit planning cycles to confirm the review function remains aligned with strategic and operational changes.
• Utilize technology to streamline review process and reporting.
• Maintain professional and technical knowledge by attending educational workshops; reviewing professional publications; establishing personal networks; and participating in professional associations.
• Attend training as requested.
• Adhere to compliance with all federal bank regulations and laws, including those for consumer protection and the Bank Secrecy Act/Anti-Money Laundering Program
• Participate in outside community activities as required.
• Perform other duties as assigned

Skills

Bank audit experience

Analytical skills

Communication skills

Time management

Team collaboration

Education

Bachelor’s degree in accounting, finance, or similar field

Tools

Microsoft Office

Real estate data platforms

Job description

Wilson Bank & Trust seeks a Senior Loan Review Auditor in Lebanon, TN, to conduct independent, risk-based loan reviews across commercial, real estate, and consumer portfolios. You’ll validate credit quality, underwriting, risk ratings, and portfolio trends while coordinating third-party loan review engagements and reporting to leadership.

You’ll work with the Chief Risk Officer to develop corrective actions, track remediation, and support examiners with data-driven insights and strong