Loan Review Analyst

Salary: $59,000 - $76,800/YR
* Actual offer will be based on experience, location, education, and/or skills*

Applications should be submitted for consideration no later than 10/31.

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Who We're Looking For

You are an analytical and detail-oriented professional who is interested in credit risk, commercial banking, and portfolio analysis. You enjoy digging into financial information, identifying exceptions, and helping ensure a strong credit culture. You are eager to learn, collaborate with cross-functional teams, and build a foundation in loan review, risk assessment, and banking practices.

About the Role

The Loan Review Analyst supports the independent Loan Review function through the execution of fundamental review activities, including loan file analysis, documentation validation, and financial data review. This role develops a foundational understanding of commercial credit, risk assessment, lending policies, and regulatory expectations while working under the guidance of more experienced reviewers. The position assists in identifying exceptions, documenting observations, and ensuring review work is completed in accordance with established methodologies and standards.

What You'll Do

• Conduct loan reviews across C&I, commercial real estate, consumer, agricultural, and SBA portfolios with appropriate oversight.
• Analyze borrower financial information, repayment capacity, collateral, and guarantor support to assist in assessing credit quality.
• Identify and communicate exceptions, risk rating concerns, and other review observations.
• Validate the completeness and accuracy of credit files, collateral records, and approval documentation.
• Prepare review summaries and support the communication of findings and recommendations.
• Assist with policy exception tracking, reporting, and follow-up activities.
• Support management and portfolio reporting through data compilation and analysis.

What You Bring

• Bachelor's Degree in Finance, Accounting, Business Administration, Economics or related field required.
• 0-3 years underwriting, financial analysis, portfolio analysis, or commercial banking experience required.
• Basic knowledge of commercial, consumer, and residential mortgage lending principles and underwriting practices.
• Understanding of financial statement fundamentals, loan documentation and collateral concepts.
• Familiarity with bank lending policies and procedures.
• Skilled in data gathering, organization, and time management.
• Skilled in working effectively with cross-functional teams.
• Skilled in identifying emerging portfolio risks and systemic issues.
• Proficient in Loan Policy to properly identify exceptions.
• Proficient with Microsoft Office applications.

What We Offer

• 401(k) plan with employer match.
• Paid parking and transportation benefits.
• Comprehensive health and wellness benefits, including:
  • Health savings accounts (HSA)
  • Flexible spending accounts (FSA)
  • Medical, dental, and vision coverage
• Generous paid time off and bank holidays.
• Access to training and professional development programs.
• Sponsorship and support for obtaining professional certifications.
• A culture of collaboration, continuous improvement, and shared success.

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At First Western Trust, we’re more than just a financial institution—we’re a team of forward-thinkers committed to excellence, innovation, and impact. Our culture thrives on teamwork and mutual respect, grounded in the belief that diverse perspectives fuel creativity and help us tackle challenges in fresh, effective ways.

We celebrate each other’s successes, welcome new ideas, and take personal ownership in…