**Enterprise Bank & Trust was founded in the spirit of entrepreneurship and community. From the small mom-and-pop coffee shop to the large construction company that employs local people, our goal is to help businesses succeed and our communities thrive.** **With offices in Arizona, California, Florida, Kansas, Missouri, New Mexico, Nevada and Texas, we’re strong, growing and committed to supporting the communities we serve. We extend this commitment to the community to our associates, offering annual paid volunteer time off and charitable-matching opportunities. Voted a** **_Best Bank to Work For_** **by American Banker for multiple years, we offer our associates an array of benefits and the opportunity to chart their own career path with us. Join us in the pursuit of our mission to guide people to a lifetime of financial success, and enjoy a career filled with professional growth opportunities, interesting colleagues and the satisfaction of supporting our communities.** **Together, there’s no stopping you!** **Job Title:** AVP, Loan Review Officer **Job Description:** **Essential Duties & Responsibilities** + Conducts independent and objective review of loan underwriting practices, approvals, monitoring activities, and credit administration procedures. + Reviews borrower relationships to develop an assessment of loan repayment ability; validating that the risk rating and perception of risk is accurate. + Evaluates appropriateness of loan structures. Completes analysis of financial information to identify current or potential problems in credit quality and potential portfolio risk. Recommends changes, if necessary. + Evaluates the adequacy of portfolio monitoring and accuracy of loan documentation for loans reviewed. + Build and maintain relationships with Commercial Relationship Officers while contributing guidance for areas that require further development. + Recommends loan process or policy changes to the Loan Review Manager, based on portfolio assessment. + Identify process gaps and inefficiencies in Loan Review and recommend/implement changes to address them. + Assist in special projects and targeted reviews, and develop monitoring procedures for the loan portfolio + Other duties as assigned **Qualifications** + Strong knowledge of commercial lending, including C & I (commercial and industrial) lending and CRE (Commercial Real Estate) lending. + Strong oral and written communication skills. Must be able to concisely and clearly express opinions, observations and recommendations in a confident manner. + Must be able to read & interpret financial statements and determine relevant credit risk. + Must be able to work effectively with personnel at all levels. **Supervisory Responsibilities** + None **Education and/or Experience** + Undergraduate and/or advanced degree in business administration, accounting, or finance preferred, or undergraduate degree with significant relevant experience. + Minimum three to five years’ experience as, or in combination of, a loan review officer, commercial loan officer, regulatory examiner, or credit analyst. + Formal bank credit training preferred. + Familiarity with GAAP and FASB guidelines. **Computer and Software Skills** + Skilled in operation of a personal computer, including Microsoft Word and Excel. + Knowledge of database software is a plus. **Certifications, Licenses, and Registrations** + Risk Management Association’s CRC (Credit Risk Certification) a plus. **_Equal Opportunity Statement:_** Enterprise Bank & Trust is committed to helping individuals with disabilities participate in the workforce and ensuring equal opportunity to apply and compete for jobs. If you need an accommodation in order to apply for a position at Enterprise Bank & Trust please contact Human Resources at hr@enterprisebank.com . Enterprise Bank & Trust is committed to managing our business and community relationships in ways that positively impact our associates, clients, and the diverse communities where we work and live. We are proud to be an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to age, race, color, religion, sex, national origin, sexual orientation, gender identity or protected veteran status and will not be discriminated against on the basis of disability. All employment offers are contingent upon the applicant successfully completing both drug and background check screenings. If you would like more information about your EEO rights as an applicant under the law, please download the Equal Employment Opportunity is the Law poster HERE (https://link.zixcentral.com/u/324ca55e/qL5ePJcS6RG7hzIZh3soMg?u=https%3A%2F%2Fwww1.eeoc.gov%2Femployers%2Fposter.cfm) .