• Loan Review Analyst

    Job ID
    1600 Redbud Boulevard
    # of Openings
    City, State
  • Overview

    Independent Bank provides a wide range of commercial and consumer banking solutions powered by people who value lasting relationships and commitment to community. We are founded on the belief that we have a deep responsibility to solve problems and build healthy communities. Our unique brand of banking is delivered by dedicated employees, who share an honest desire to make a lasting and positive impact. Come join us!


    Responsible for performing internal loan reviews on assigned bank credits identified in Loan Review Department’s scheduled internal audits. The loan review function provides the bank with an independent assessment of asset quality and credit risk for all segments of the loan portfolio and monitoring supplements that function.


    • Complete reviews of credit relationships to validate accuracy of risk ratings, borrower’s ability to repay, adequacy of documentation as well as collateral valuation and perfection
    • Evaluate and monitor credit quality in order to identify specific deficiencies for individual borrowers
    • Identify deviations from banking regulations, loan standards and loan policy
    • Identify potential or existing systemic deficiencies which may adversely affect bank profitability and recommend policy/procedural changes to Management to prevent and/or correct deficiencies identified during the Loan Review process
    • Assist in maintaining the integrity of risk management functions by ensuring acceptable credit standards are maintained
    • Keep abreast with current and emerging lending concerns and maintain a working knowledge of lending risk management practices
    • Other job related duties as assigned


    • Bachelor’s degree in business or related field of study required (Finance/Accounting/Economics)
    • 3+ years credit experience required: loan review officer, regulatory examiner, or senior credit/financial analyst
    • Strong analytical skills; formal bank credit training and/or credit/loan review certification preferred
    • Proven experience working in a team environment; motivated self-starter and an active learner
    • Familiarity with banking laws and regulatory guidance, GAAP
    • Strong project management and leadership skills; management/supervisory experience preferred
    • Demonstrate general knowledge of Bank Secrecy Act and OFAC related responsibilities in the performance of daily operations to ensure adherence to bank policies and compliance with all regulatory requirements.


    Our unique brand of banking extends from the Gulf Coast of Texas to the Rocky Mountains. We are an $8 billion dollar community-centric institution providing a wide range of relationship-driven commercial banking products and services tailored to meet the needs of businesses, professional organizations, community groups and entrepreneurs. We also offer a full line of personal financial products and services to make banking easy for busy families and individuals.


    Principled financial decisions ~ Building strong, healthy communities ~ Leading with a courageous heart ~ Resilient Solutions ~ Thriving relationships

    The Bank provides capital and guidance to foster growth, bring new ideas to life, and energize local businesses. We accomplish these goals by funding projects such as medical facilities, warehouse space, and hospitality and education venues. By developing strong relationships and a deep understanding of your industry, our team offers a proactive approach to business banking.

    We continue to be named Best Bank within many of the communities we serve. Recently, Independent Bank was named a Community Bankers Cup winner for the fifth consecutive year; a Top 75 Producing Lender Nationwide; a Top 50 Performer by the Dallas Business Journal; and one of the Healthiest Employers in both North Texas and Central Texas.

    The Bank builds community on two fronts: by helping create economic development and by partnering within the community. It all begins by empowering our employees. We encourage our people to follow their passion and volunteer. And we back that up through formal giving programs.


    To make an impact on the communities we serve through high-performance, purpose-driven banking.



    To be considered for this position, you must at least meet the basic qualifications.

    No phone calls or direct e-mails please.

    Pre-employment background screening will be conducted.

    Independent Bank is an EEO/AA - M/F/Disability/Protected Veteran Status.

    Note: The job description does not constitute an employment agreement between the employer and employee. The above statements describe the general nature and level of work being performed within this classification. It is not designed to contain or be interpreted as a comprehensive list of all duties, responsibilities, and qualifications required of employees assigned to this job. If you require assistance at any stage of the employment application process due to a disability, please contact Human Resources at 214-544-4777.


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