Senior Loan Review Officer - Credit Administration

November 5

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HomeStreet Bank

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Commercial and Consumer Banking • Cash Management Services • Insurance Products and Services • Mortgage Lending • Commercial Real Estate Lending

1001 - 5000 employees

Founded 1921

🏦 Banking

💸 Finance

🏠 Real Estate

Description

• Responsible for leading loan reviews analyzing and evaluating the Bank’s commercial lending, commercial real estate and/or residential construction loan portfolios • Assesses portfolio data and draws risk based samples that are statistically representative of key risk components within the target portfolio • Evaluates complex financial statements and loan transactions with minimal supervision • Communicates review findings to management and the Board of Directors

Requirements

• Bachelor’s Degree in business, finance or equivalent education and work experience • Minimum 7 years’ experience in loan review, underwriting or commercial credit analysis • Strong working knowledge of current loan review processes, loan classifications, risk management techniques and regulatory guidance on lending required • General knowledge of federal and state laws and regulations governing credit administration functions and experience in developing credit policies and procedures • Credit underwriting or analysis experience in C & I, investor real estate and/or residential construction lending principals and loan structures • Demonstrated abilities in analyzing complex financial statements, property cash-flows, budgets and projections, and relevant market trends to determine the borrower’s financial condition and repayment capacity • Strong knowledge of commercial appraisal methodology with the ability to evaluate whether collateral is properly analyzed including borrowing base certificates, equipment, real estate and/or leasehold improvements • Strong written and verbal communication skills • Self-starter with the demonstrated ability to work independently and maintain objectivity in assessments • Accurate and dependable in completing responsibilities with strong attention to detail, good organizational skills and able to work within deadlines • High level of personal integrity, judgment and ability to handle confidential information • Proficiency using MS office suite with particular expertise using Excel for data analysis

Benefits

• Medical, dental, and vision coverage for employees and their families • Life, disability and family Leave • 401(k) and Roth 401(k) with employer match • Wellness program, employee assistance program, “Commute Trip Reduction” (CTR) and various employee discounts • Generous vacation, sick leave, 11 paid holidays, and 16 hours of paid leave every year for community service work • Free employee checking account and employee home loan discounts