Grade Level 8 Equal Employment Opportunity Corporate Values & Mission \"Provide superior service, quality advice and show utmost respect to everyone we meet.

\" General Summary Review and analyze credit and collateral information for diverse types of loans, including ascertaining an appropriate loan rating. Prepare and occasionally present annual loan reviews for approval to various committees. Review appraisals, property evaluations, and various environmental reports. Prepare and compile various key management reports. Reports To AVP Loan Review Supervisor Essential Duties and Responsibilities Manage and perform annual credit reviews on commercial loan relationships, to include review of all pertinent credit & financial information, such as credit bureaus, UCC & title searches, various financial statements, the loan files to include both credit & collateral, and provide credit analysis and assign grading to same. Assess the adherence to internal credit and loan administration policies and procedures. Coordinate Appraisal/Environmental orders and complete reviews as assigned and in accordance with guidelines. Provide special reviews as requested to assess the state of certain loan portfolio segments. Input financial statement spreads using Flash Spread. Qualifications To perform this job successfully, an Individual in this position must be able to perform each of the above essential duties satisfactorily and exhibit the values of the Company. In addition, the requirements listed below are representative of the knowledge, skill and/or ability required. Experience and/or Education Bachelor's Degree Minimum three (3) years of review experience; or equivalent combination of education and experience Computer knowledge

Windows, Microsoft Office Working knowledge of Banking Competencies In addition to the Corporate Core Competencies, individuals in this position are expected to have the following skills: Communication
Speaks clearly and persuasively in positive or negative situations; listens and gets clarification; responds well to questions; demonstrates group presentation skills; participates in meetings. Writes clearly and informatively. Analytical
Synthesizes complex and diverse information; collects and researches data; uses intuition and experience to complement data. Adaptability
Adapts to changes in work environment; manages competing demands; changes approach or method to best fit the situation; able to deal with frequent change, delays or unexpected events. Initiative
Undertakes self-development activities; takes independent actions and calculated risks; looks for and takes advantage of opportunities; asks for and offers help when needed. Technical Skills
Assesses own strengths and weaknesses; pursues training and development opportunities; strives to continuously build knowledge and skills; shares expertise with others. Has a thorough understanding of underwriting, coverages and rating procedures. Judgment
Displays willingness to make decisions; exhibits sound and accurate judgement; supports and explains reasoning for decisions; includes appropriate people in decision-making process. Makes timely decisions. Business Acumen
Understands business implications of decisions; displays orientation to profitability; demonstrates knowledge of market and competition; aligns work with strategic goals.

Physical Demands and Work Environment Ability to work in an office environment which may include many hours of computer and telephone usage. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions. This position description is not to be construed as an exhaustive statement of duties, responsibilities, or requirements. 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