Senior Loan Review Auditor

About the role

The Senior Loan Review Auditor conducts independent, risk-based loan reviews to validate credit quality, underwriting, risk rating accuracy, collateral/documentation sufficiency, policy compliance, and portfolio risk trends. This position produces clear reporting, identifies root causes, recommends corrective actions, and tracks remediation through closure. The Senior Loan Review Auditor serves as primary coordinator and oversight partner for the bank’s third-party loan review engagement to include supporting scoping, data readiness, vendor coordination, methodology validation, deliverable review, reconciliation of findings, and management/examiner reporting.

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
• Aid 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
• Aid in the preparation of reports for the quarterly Audit Committee meetings
• Aid 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
• 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

Requirements

• 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
• Excellent written and verbal communication skills including effective presentation skills
• Ability to develop loan review audit scopes and complete reviews with minimal supervision
• Detail oriented
• Critical thinking and analytical skills including the ability to define problems, collect data, establish facts, and draw valid conclusions
• High standards for integrity, honesty, professionalism, and work ethic
• Commitment to service excellence
• Maintain confidentiality discretion
• Ability to effectively work in collaboration with others to achieve business objectives
• Willing to grow and be challenged

Qualifications

• Self-motivated, positive, and enthusiastic
• Self-starter with a strong desire to exceed expectations

Skills

• Strong analytical and problem-solving skills
• Effective communication and presentation skills
• Proficiency in Microsoft Office and other standard software applications
• Experience with loan underwriting concepts and regulatory requirements
• Ability to work independently and manage multiple tasks

Benefits

We offer a comprehensive benefits package including:

• Growth opportunities through mentorships, workshops, banking schools, and certifications
• Employee Assistance Program and Employee Care Fund
• Peer-nominated award ceremonies and an interactive digital rewards platform
• Partnerships with local schools to teach financial life lessons
• Banker Academy Program for diverse career paths
• Employee Stock Purchase program