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The Loan Review Analyst provides continuous review of the quality and performance of loan originations and collection efforts for the Credit Union’s consumer loan and first mortgage production. This work includes reviewing loan decisions, exceptions being made to underwriting guidelines, trends with underwriting, and adherence to policies, management practice, and lending regulations.

1) Assesses the adequacy of and adherence to internal credit policies and loan administration procedures and monitors compliance with applicable laws and regulations to provide management with an objective, independent and timely assessment of the overall quality of the loan portfolio. Ensures proper policies, procedures, risk mitigation activities, and operating controls are followed. Reports gaps in policies, procedures, and operating controls to leadership to ensure member impact and risk is mitigated. (25%)

2) Evaluates loan decisions of individual lending personnel, assessing quality of decisions and assessment of credit risk. (20%)

3) Monitors and analyzes lending results, metrics, and trends in origination, production, performance, and risk to provide findings to lending management. Performs research and analysis relative to credit risk, losses, and adverse financial trends. (15%)

4) Assists with appropriate lending committees to provide analysis pertinent to lending through data, trending, and contributes necessary information to support making recommendations for adjustments to the consumer lending program. Monitors the credit risk review process and the lending process as a whole to provide useful and continuous feedback on the effectiveness of the lending process to assist in identifying any emerging problems. (10%)

5) Monitors exceptions made by management and underwriters to determine if there are any fair lending or other compliance issues with the decisions. (10%)

6) Performs regular analysis supplemented by reporting and analysis from the Finance Dept. to make recommendations on loan pricing. (5%)

7) Supports Lending Management in the growth of the loan portfolio through monitoring of key trends such as origination volume, line utilization, loan pay downs, and other data to provide risk analysis or growth opportunities. (5%)

8) Works with various credit union departments and third-party vendors, such as MeridianLink, Jack Henry & Associates, CU Student Choice, CU Direct Lending, and myCUmortgage, to gather loan level data for analysis and research. (5%)

9) Prepares regular reports and loan level analysis for state and federal examiners as well as internal and external auditors. (5%)

Required Skills

A. Specialized or Technical Knowledge and Skills :

1) Bachelor’s Degree in Business, Finance, Accounting, or comparable field is preferred.

2) A minimum of three years of experience in a lending, collections or analytical role at a financial institution is required.

3) SQL experience preferred.

4) Expert level in Excel required. Experience using Jack Henry products and MeridianLink LoansPQ preferred.

5) Strong verbal and written communication, organizational, and customer service skills and ability to interface with others in a positive and professional manner.

6) Goal-oriented with a desire to work in a fast-pace and result-driven environment.

7) Demonstrated ability to analyze, reason, problem solve, and prioritize work independently.

Required Experience