Credit Review Analyst at Hancock Whitney in new orleans, Louisiana

Job Description:

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ESSENTIAL DUTIES & RESPONSIBILITIES:

• Conducts a systematic review of commercial, installment, and mortgage loans todetermine the adequacy of documentation.


• Uses credit and financial information to verify continuing credit worthiness of the customer.


• Possible high level review of collateral documentation, if necessary.


• Evaluates the adequacy of loan risk codes and accrual status. Recommends changes as appropriate.


• Serves as a Team Leader for portfolio reviews: Assigns, reviews and assists lessexperienced Loan Reviewers with loan reviews to ensure adherence to deadlines.


• Trains subordinates to assure consistency in the accuracy and quality of reports generated.


• Develops trend information as it pertains to the group under review and provides Team Leader/management with related reports.


• Proficiently extracts and reviews samples of various segments of the portfolio and analyzes results to reach conclusions regarding asset quality of the portfolio as a whole and/or various aspects thereof.


• Assembles raw loan portfolio data from diverse sources into meaningful reporting information for use in quantifying and assessing asset quality of the portfolio as a whole and various segments and/or aspects of the portfolio.


• Informs supervisor of discrepancies in the perceived risk ratings as compared to the current risk rating assigned to the loan/relationship.


• Prepares and distributes formal reports derived from the review and analysis of information obtained presenting both quantitative and qualitative evaluations of the asset quality of the overall portfolio and various segments and or aspects of the portfolio and offering recommendations to effect improvement.


• Assists the Loan Review Manager in gathering information, preparing reports, completing special projects, etc..


• Serve as a member of the Due Diligence team for future acquisitions, if called upon.


• All other duties/special projects as assigned.


• Incumbent is required to comply with all applicable federal, state, and local banking and industry related laws and regulations including but not limited to the Bank Secrecy Act.

SUPERVISORY RESPONSIBILITIES:

• Manages and leads employees in the Loan Review Department; Carries out supervisory responsibilities in accordance with the organization's policies and applicable laws; Responsibilities include developing and training employees; planning, assigning, and directing work and conflict resolution.

MINIMUM REQUIRED EDUCATION & EXPERIENCE:

• A College Degree in Business Administration, Finance or Accounting is preferred.


• Formal credit training is preferred.


• Three years of banking experience in loan recovery, credit analysis, credit review and/ or lending.

MINIMUM REQUIRED KNOWLEDGE:

• Excellent financial analytical skills


• Working knowledge of banking laws and regulations as they apply to lending


• Ability to plan, organize, and direct a review team

CORE COMPETENCIES

The company has identified a set of core competencies that are vital to our business achieving a competitive advantage and delivering a unique value to our customers. These competencies are the skills, knowledge, and abilities each and every associate must exhibit to fulfill this competitive advantage.

• 
  Organization and Planning: Detail- and results-oriented; develops realistic action plans


• 
  Commitment to Excellence: Sets and achieves challenging goals; measures self against a standard of excellence


• 
  Resilience and Balance: Maintains a stable performance and can be effective under pressure


• 
  Interpersonal Versatility: Treats all people with respect and honor along with sensitivity to cultural differences


• 
  Influence: Approaches work and fellow associates in a manner that portrays leadership, respect, trust, courtesy, empathy, and integrity

POSITION SPECIFIC COMPETENCIES

Cognitive Competencies: Verbal Comprehension, Business math, Analytical, Judgment & Decision Making, Strategic Thinking

Motivation Competencies: Resourcefulness, Self Evaluation & Development

Interpersonal Competencies: Listening, Communication Skills - Oral & Written, Collaborative

Leadership: Developing Followership, Following Through, Coaching & Developing Associates, Achieving Results, Team Building, Addressing Conflict

• Is a self-starter with strong organizational skills


• Basic Microsoft Word and Excel knowledge


• Ability to make decision independently

ESSENTIAL MENTAL & PHYSICAL REQUIRMENTS:

• Ability to work under stress and meet deadlines


• Ability to operate related equipment to perform the essential job functions


• Ability to read and interpret a document if required to perform the essential job functions


• Ability to travel if required to perform the essential job functions


• Ability to lift/move/carry approximately 10 pounds if required to perform the essential job functions. If the employee is unable to lift/move/carry this weight and can be accommodated without causing the department/division an "undue hardship" then the employee must be accommodated; hence omitting lifting/moving/carrying as a physical requirement.

DISCLAIMER

This job description is only valid as of the date it was revised. Please contact the HR Compensation Department to obtain the latest version. Information contained herein should be treated as confidential to Hancock Holding Company.

NOTHING IN THIS JOB DESCRIPTION RESTRICTS MANAGEMENT'S RIGHT TO ASSIGN OR REASSIGN DUTIES AND RESPONSIBLITIES TO THE JOB AT ANY TIME

Equal Opportunity/Affirmative Action Employers. All qualified applicants will receive consideration for employment without regard to race, color, religious beliefs, national origin, ancestry, citizenship, sex, gender, sexual orientation, gender identity, marital status, age, physical or mental disability or history of disability, genetic information, status as a protected veteran, disabled veteran, or other protected characteristics as required by federal, state and local laws.