SUMMARY:

This position directs the credit administration and loan quality functions of the Banks entire loan portfolio and the loan origination process. Loan quality includes credit reviews before and after loan origination, and responsibility for the credit quality of the loan portfolio to assure minimum losses.

Directs credit administration operations, including loan and lending practices, construction monitoring, appraisal management, credit standard maintenance, and special project management. Responsible for giving technical advice, and review of mortgage, consumer, and commercial loan portfolios for quality, accuracy, regulatory compliance and credit worthiness. Provides leadership to the departments involved in credit decisions, supporting overall growth and development of Riverview Bank.

The salary for this role will be between $113,000 and $165,000. The specific salary offered will depend on several factors including but not limited to applicants skills and prior relevant experience. Hired candidate may be eligible for healthcare benefits, 401K plan, short term & long-term disability coverage, life insurance, vacation & sick time, educational assistance, and several holidays. Certain roles are eligible for additional rewards.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

Lending Support:

- - #### Provide advice, guidance, technical expertise, reports, and consultation to lending & senior officers.

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``` - - #### Responsible for overseeing and improving internal and external Loan Examinations, Internal Asset Review, Loan Grading Process, and all lending support programs.

Credit Review & Loan Quality:

- - #### Responsible for the credit quality of the loan portfolio to assure minimum losses through the lenders and loan officers.

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``` - - #### Review all loan memorandums and approvals above lender limits for completeness and quality.

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``` - - #### Ascertain that all loans made are reported and approved according to the bank lending policy, and within prescribed lending limits.

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``` - - #### Review and approve all required monthly reports from branches including the Classified Loan Report and the Past Due Loan Report and follow up with the lending officer on any discrepancies.

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``` - - #### Identify potential problem credits and work with loan officers and loan workout specialists to restructure the credit and/or minimize losses.

Credit Approvals:

- - #### Review and approve loans within prescribed limits

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``` - - #### Assist in the review and processing of loans over prescribed limits as warranted.

Auditing:

- - #### Supervise the loan examination function.

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``` - - #### Monitor the accounts receivable auditing program and insure timely completion of audits.

Additional Duties:

- - #### Evaluate loan portfolios, internal policy controls and overall loan management, Reports evaluation results to senior management.

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``` - - #### Oversees analysis of industry trends, and evaluations of loan policies and unique loan situations.

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``` - - #### Review and update new and existing loan files for Riverview Bank on a regular basis.

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``` - - #### Follow all state and federal laws and Riverview Bank policies and procedures.

RELATIONSHIPS:

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