Loan Review Analyst
Candidates selected for the Loan Review Analyst position will be assigned to an FDIC Field Office in the Division of Risk Management Supervision (RMS) and participate in formal classroom training, self-study, and work assignments located in and outside of the employee's official duty station in the area of loan review analysis.
Responsibilities
- Assesses Asset Quality: Supports Examiners-in-charge, Asset Managers and Examiners assigned to the loan review function by assessing loan files to determine: the borrower's capacity to pay (e.g. balance sheet and income statement for a given period); protection (e.g. amount of collateral); and performance (e.g. history of payment, level of past due, debt to income ratio, cash flow analysis). Determines if individual loans should be Pass, criticized as Special Mention, or classified Substandard, Doubtful, or Loss. Analyzes financial information, file documentation, and prepares questions for bank management regarding the loan or asset reviewed.
- Assesses a financial institution’s compliance with applicable regulations related to the lending function. Assesses the reasonableness of a bank's Allowance Loan and Lease Losses.
- Discusses findings with the examiner supervising the loan review and/or the Examiner-in-charge. Discusses concerns regarding specific loans and file documentation with bank management.
- Prepares loan write-ups as required by outstanding examination guidance. Prepares and documents FDIC Financial Institution Examination Line Sheets, complete Financial Statement Cards and Real Estate Cards.
- Due to COVID 19 and the continuation of mandatory telework, these duties may be performed from the incumbent’s current location.
Travel Required
75% or less - May require extensive overnight travel.