Capital Associated Industries, Inc.
  • Mt Olive, NC, USA
  • Full Time

Role Summary: 

 

This position is responsible for assisting in the ongoing monitoring of the Bank's loan portfolio to ensure alignment with long term credit quality standard goals.

 

specific job functions (Duties/Responsibilities):

 

  • Prepares written financial statement/tax return analysis for new and existing loan relationships along with presentation of work product to the Loan Review Committee of the Board of Directors.
  • Assists in monitoring the loan grading system, making necessary changes when needed.
  • Assesses and monitors the quality of the loan portfolio.
  • Assesses and monitors loan portfolio compliance with both Bank policy and applicable laws and regulations.
  • Assists the Manager of Loan Review in developing and implementing loan policy.
  • Assists Loan Review in the assessment of Bank loan officers with feedback on reviewed loans and other performance measures.
  • Reviews impairment analysis for use with the Allowance for Loan and Lease Losses Model.
  • Performs other duties as assigned.

 

 

JOB REQUIREMENTS:

 

knowledge/skills/Abilities required:

 

  • Possess effective organizational and/or leadership skills needed to facilitate responsibilities.
  • Ability to work independently with limited supervision, and to plan and organize daily work flow.
  • Possess the necessary interpersonal skills to maintain a friendly, courteous and professional demeanor, even under pressure.
  • Ability to speak with confidence one-on-one and in group meetings and presentations.
  • Ability to determine when to act independently and when to refer situations to a higher authority. 
  • Ability to concentrate on work in spite of distractions and pressures.
  • Ability to effectively communicate, both orally and in writing and defend opinion based on the proper analysis.
  • Ability to handle sensitive information while maintaining customer confidentiality.
  • Working knowledge of Bank lending processes and loan documentation.
  • Through knowledge of Bank lending policies and applicable laws and regulations.
  • Maintain a professional appearance and work area.

 

 

Education/Experience requirements:

 

  • Bachelor's degree in business/accounting preferred or equivalent Bank credit review experience.
  • Five years or more of previous community banking and lending experience preferred.
  • Good interpersonal and communication skills.
  • Capable user of Southern Bank computer systems and technology, including word-processing, spreadsheets, internet and internal software.                                             

 

Capital Associated Industries, Inc.
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