United Bank

  • Loan Review Officer

    Job Locations US-WV-Morgantown | US-VA-Vienna
    Posted Date 4 days ago(6/14/2018 4:55 PM)
    Job ID
    # of Openings
    UBSI Non-Retail
  • Responsibilities


    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


    With over 175 years of experience, United Bank is one of the region’s premier banks with locations in West Virginia, Virginia, Washington, DC, Maryland, Ohio, and Pennsylvania.   A subsidiary of United Bankshares, Inc., with dual headquarters in Washington, DC and Charleston, WV, we are a  full service financial institution with over $14 billion in assets.


    At United Bank, our people are our greatest asset. Our company is a perfect fit for hard-working, driven individuals as we provide a culture that is entrepreneurial, efficient, relationship-based and service-oriented.  United is proud of our record of growth and our commitment to service - not only to our customers, but also to the communities in which we live and work.


    United encourages our employees to become involved in the community and in professional activities, and we provide continued training and other support to help all employees achieve their full potential.


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