Senior Loan Review Officer

Capitol Bancorp Limited is a uniquely structured affiliation of small community banks. Each bank, which typically has only one location, is focused on meeting the banking needs of entrepreneurs, professionals and other individuals seeking individually-tailored service. Each bank has full local decision-making authority in making loans and delivery of other banking services. Each bank is managed by an on-site president and management team under the direction of its local board of directors.

Capitol Bancorp Limited is currently looking for a Senior Loan Review Officer to be responsible for assuming the primary responsibility for implementation of the risk management programs relating to credit risk within the company. The qualified candidate will evaluate the level of credit risk and determine if banks are in conformance with policies, procedures and regulatory requirements. This candidate will also provide the executive management group with information concerning activities reviewed and recommend changes to procedures that are not in compliance or present inordinate degrees of risk.

ESSENTIAL FUNCTIONS AND JOB RESPONSIBILITIES
Review and recommend updates to the Loan Review Program as necessary.
Analyze credit risk as directed by the Loan Review Program
Identify unusual items/procedures and operating deficiencies. Recommend ways for banks to improve if results of testing were unsatisfactory.
Identify “best practices” employed by banks and recommend that other affiliated banks replicate these practices to promote compliance or create operational efficiencies.
Prepare written reports of findings that are presented to the appropriate directors, as well as bank and corporate officers.
Provide input to assist in development of departmental plans to ensure resources are devoted towards areas that present the greatest risk to CBC and it affiliates.
Evaluate credit risk associated with new products and services.
Supervise assist risk analyst(s).
Coordinate with coworkers to ensure consistency of programs between regions.

OTHER DUTIES AND RESPONSIBILITIES
Participate in assessments of other risk areas (ie, transaction and compliance), if necessary.
Seek appropriate training opportunities and self-learning to ensure maintenance of contemporary knowledge of credit issues. Also, develop and conduct internal training sessions on areas relating to credit risk.
Use technology to the extent possible to gain job efficiencies.
Be available for special projects that may surface.




Capitol Bancorp Limited is proud to be an EEO/AA employer M/F/D/V. We maintain a drug-free workplace and perform pre-employment substance abuse testing.
REQUIREMENTS
Skills/Equipment
Good verbal and written communication skills.
Technical knowledge in bank operations.
Ability to apply technical knowledge and place findings in proper perspective relative to the risk they present to the organization.
Ability to analyze problems and find solutions.
Well organized and detail oriented.
High standards of honesty, ethics and integrity. Properly safeguarding confidential material.
Effective interpersonal skill; develop rapport with individuals at all levels of CBC
Ability to work accurately and independently, while seeking advice under the appropriate conditions.
Effective computer skills (both mainframe and PC applications).

Training/Preparation Required
BA in Business or Accounting or equivalent. Ten to twelve of experience in auditing and bank examinations.
Minimum of five years experience as a Senior Credit Analyst or Commercial Loan Officer.
Previous management experience required.