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Loan Review Officer

Date: Nov 14, 2022

Location: Morgantown, WV, US, 26505 North Charleston, SC, US, 29420 Vienna, VA, US, 22182 Raleigh, NC, US, 27609 Charleston, WV, US, 25301 Parkersburg, WV, US, 26101 Charles Town, WV, US, 25414 Charlotte, NC, US, 28211 Beckley, WV, US, 25802 Martinsburg, WV, US, 25404 Morgantown, WV, US, 26505 Durham, NC, US, 27707 Mount Pleasant, SC, US, 29464 Vienna, VA, US, 22182 North Myrtle Beach, SC, US, 29582

Company: United Bank

Job Description


The Loan Review Officer assists and supports the corporate Director, Loan Review in the overall supervision of the Risk Management department functions and staff. This individual assists the Director in ensuring the appropriate assessment of credit risk by early identification of problem credits and systemic issues. This individual will display adequate leadership ability by his/her capabilities to, adequately perform risk assessments on complex relationships, identify and communicate significant problem credits or systemic issues, and train other review staff through effective communications.



•Monitors and reviews internal reporting on risk matrix thresholds and industry or geographic risk assessments to promote early detection of credit culture or portfolio deterioration.
•Stays informed regarding federal regulations pertaining to the lending function of the Bank, and industry or geographic analysis and expectations pertaining to the United’s loan portfolio.
•Aides the loan review staff in identifying additional information needed to complete a review or in discussions with account officers.
•Assesses, along with the department, Credit Administration’s policies, practices and procedures to ensure that sound credit risk management is practiced, and offers constructive solutions to areas where risk may need to be addressed.
•Serves as an information resource for management, internal and external auditors, and regulators.
•Maintain all essential functions and duties; as well as all responsibilities and expectations of a Senior Loan Review Specialist. Particularly, performs reviews on the most complex credits/ relationships within the bank’s portfolio.
•Assists in the training and supervision of all Loan Review and Senior Loan Review Specialists.
•Develops reviewers’ skills by providing guidance, direction and critiques of draft line sheets on less complex credits.
•Aids in sample selection.
•Serves as an information resource for management, internal and external auditors, and regulators.
•Conducts Reviewer in Charge (RIC) responsibilities, on an as needed basis, for medium to large commercial loan reviews.
•Identifies and communicates potential systemic issues noted for the individual credits assigned, quarterly reviews, and the UBSI portfolio overall.
•Participates in Exit Meetings with management, on a as needed basis.

•Bachelor’s degree in Business, Accounting or Finance required;
•Five to ten years (5 to 10) experience in Loan Review or Credit Administration;
•Proficient in Microsoft Office products;
•Knowledge of advanced accounting concepts;
•Proficient with financial analysis software;
•Technical writing skills;
•Ability to manage multiple priorities, have attention to detail and organizational skills;
•Ability and willingness to work with a variety of individuals and departments.


•Analytical and Systems Thinking
•Problem Solving/Resolution focused


•Sitting for extended periods of time.
•Sufficient dexterity of hands and fingers to efficiently operate a computer keyboard, mouse and other computer components.
•Ability to converse and exchange information with all levels of staff within organization.
•Ability to observe, perceive, identify, and translate data

Company Profile

At United, we value all of the relationships we have built since 1839. We are committed to providing each relationship with an unmatched level of service. While we offer competitive products, services, rates, and technology, the level of service we provide and our commitment to building relationships is what sets us apart from our competitors. Our 211 full-service banking offices and 15 loan origination offices in West Virginia, Maryland, Virginia, Ohio, Georgia, Pennsylvania, North Carolina, South Carolina and Washington, D.C. are each built on customer service and commitment to the community. United is backed by a history of safe, sound and secure banking practices that have allowed us to navigate through decades of changing economic environments. Because of this, our employees, customers, shareholders and communities can rely on us to be their banking partner for decades to come. We are committed to nurturing an inclusive culture that is reflective of the communities we serve; celebrates diversity of thought, backgrounds, and experience; promotes respect and a shared purpose; and aligns with our core values.  Member FDIC. Equal Housing Lender. Equal Opportunity Employer.



Nearest Major Market: Morgantown

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