Senior Loan Review & Risk Auditor

Wilson Bank & Trust; United States; On-site; USD 90,000 - 120,000; Full time

Benefits offered by this job

Generous ATO

Personal days

Sick time

Employee Assistance Program

Employee Care Fund

Peer-nominated award ceremonies

Interactive digital rewards platform

Job summary

Wilson Bank & Trust is seeking a Senior Loan Review Auditor in Lebanon, TN. The role entails independent, risk-based loan reviews to evaluate credit quality, underwriting, risk rating accuracy, collateral documentation, policy compliance, and portfolio risk trends.

You will produce clear reporting, identify root causes, recommend corrective actions, and track remediation to closure, while coordinating third-party loan review engagements under the Chief Risk Officer.

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.
• Knowledge of loan underwriting concepts such as cash flow and financial statement analysis.
• Ability to present audit findings to management and Board of Directors.

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

Loan underwriting concepts

Analytical thinking

Communication skills

Problem solving

Education

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

Tools

Microsoft Office

Real estate data platforms

Job description

Wilson Bank & Trust is seeking a Senior Loan Review Auditor in Lebanon, TN. The role entails independent, risk-based loan reviews to evaluate credit quality, underwriting, risk rating accuracy, collateral documentation, policy compliance, and portfolio risk trends.

You will produce clear reporting, identify root causes, recommend corrective actions, and track remediation to closure, while coordinating third-party loan review engagements under the Chief Risk Officer.