Loan Quality Analyst

Eastpoint, 1901 Eastpoint Pkwy, Louisville, Kentucky, United States of America

Posted Wednesday, August 12, 2026 at 4:00 AM

Stock Yards Bancorp, Inc. (NASDAQ: SYBT), parent company of Stock Yards Bank & Trust Company, with offices in Louisville, Central, Eastern and Northern Kentucky, as well as the Indianapolis, Indiana and Cincinnati, Ohio metropolitan markets.

Job Title: Loan Quality Analyst

FLSA Status: Exempt

Department: Loan Operations

Hours of Operation: 8:00am-5:00pm Monday-Friday

General

Job Summary:

The Loan Quality Analyst supports the Loan Quality Assurance Manager in strengthening the integrity of the lending process by ensuring accuracy, regulatory compliance, and adherence to internal policies across the full loan lifecycle. The analyst is a core execution partner to the Manager in preventing and detecting defects within Loan Operations and in reducing the bank's reliance on downstream compliance and audit remediation.

The analyst performs both real time and postcompletion quality reviews. In a real time capacity, the analyst executes control functions prior to funding and booking to confirm that loans meet all applicable standards and requirements, so that issues areidentifiedand resolved early. In a post completion capacity, the analyst performs file reviews and ongoing monitoring tovalidateprocesses, assess adherence to procedures, andidentifygaps or control breakdowns.

The analyst contributes to root cause analysis, sustainable corrective actions, continuous improvement, and subject matter support on regulatory and internal policy expectations.

Organizational

Duties and Responsibilities:

• Supports the mission, vision and philosophy of the Bank. Complies willingly with all organizational policies and procedures.
• Supports all functions that maintain compliance with regulatory agencies.

Essential Duties and Responsibilities:

Real Time (Pre Funding and Pre Booking) Quality Activities

• Executeprefundingandprebookingcontrol checks on assigned loan populations to confirm accuracy, completeness, regulatory compliance, and adherence to Loan Policy prior to funding or booking.
• Escalate exceptions promptly to the originating department Manager
• Document real time findings, resolutions, and defect trends in the program's system of record to support the Manager's reporting and analytics.

Post Completion Reviews and Ongoing Monitoring

• Execute post close file reviews, targeted control testing in accordance withthe annual monitoring plan owned by the Manager.
• Validate adherence to Loan Policy, SOX controls, and applicable regulations including HMDA, TRID, Flood, Reg B, Reg Z, and Reg O.

Root Cause Analysis and Sustainable Remediation

• Perform root cause analysis onidentifieddefects and control failures.
• Recommend sustainable corrective actions that address the underlying cause rather than the individual exception.
• Support the Manager in validating remediation effectiveness andcontributingto the CCIR process where findings are reportable.

Continuous Improvement and Front-Line Control Enhancement

• Track process changes across Loan Operations and flag changes that alter the control environment or scope of quality activities.
• Partner with process owners to enhance front line controls, embedding quality earlier in the loanlifecycleand reducing the need for downstream detection.
• Surface defect themes, control weaknesses, and improvement opportunities to the Manager to informmethodologyupdates, training design, and staffing decisions.

Other Functions:

Governance, Reporting, and Examination Support

• Draft written monitoring summaries, findings, and trend analyses suitable for review by the Manager and inclusion in reporting to the Director of Operations and Chief Operations Officer.
• Prepare work papers to a defensible standard for internal audit, external audit, and state and federal examinations, including FDIC, Kentucky, Indiana, and Ohio regulatory reviews.
• Support the Manager during examinations and audits, including preparation of first day letter responses and interview participation as directed.

Cross Functional Collaboration and Culture

• Model professional objectivity, respectful challenge, and constructivepartnershipwith business, operations, compliance, credit, and audit colleagues.
• Contribute to a culture of quality, accountability, and compliance throughout Loan Operations, consistent with the Manager's program vision.

Working Conditions:

Office/ cube environment

Education:

Bachelor's degree in business, finance, accounting, ora related discipline preferred. Equivalent combination of education and experience considered at the entry tier.

Experience: Two or more years of banking operations, loan operations, credit, audit, or compliance experience.

Specific

Skills:

Working knowledge of federal consumer and commercial lending regulations and SOX controls is preferred.

Physical Requirements:

The physical demands described here are representative of those that must be met by an employee in order to successfully perform the essential functions of…