Loan Review Analyst II - Ridgeland, MS

Posted Monday, January 5, 2026 at 7:00 AM | Expires Saturday, January 24, 2026 at 6:59 AM

At Bank Plus, we strive to add value for our employees, customers and shareholders. We are a high-performing TEAM committed to fulfilling promises, building lasting relationships, and making dreams come true.

All current employees must have a performance rating of Outstanding or High-Performing to be eligible to post for a position.

To perform detailed full-scope and limited scope loan reviews in order to ensure credits are appropriately risk rated or adversely classified when potential credit weaknesses exist so that timely action can be taken and credit losses minimized; to provide management with accurate and timely credit quality information for financial and regulatory reporting purposes, including the ability to document loan review findings and assist in report preparation;

and to ensure lending practices conform with the bank’s established loan policy.

• Review loan files of all credit types by performing line-of-business and regional loan reviews for the purpose of evaluating borrower relationships to determine loan repayment ability and assessing adequacy of assigned risk ratings to ensure the watch list is accurate and the allowance for loan and leases losses is sufficiently funded.
• Review assigned loans with regard to the following items:
  Confirm that loans are closed in accordance with proper approval. Determine adherence to loan policy and ensure policy exceptions are disclosed and mitigated. Assess effectiveness of ongoing credit administration of the loan. Factors to be reviewed for both accuracy and adequacy include analysis of individual, company and /or global cash flow performance; analysis of the collateral and guarantor strength as secondary and tertiary sources of repayment;
  
  identification and proper mitigation of key credit risks; and completeness of credit file with current and relevant information and officer narrative memos.
• Evaluate the activities of the lending personnel during each loan review to ensure loan officers are grading their credits accurately and timely. Assess loan officers’ adherence to the bank’s lending policies and procedures and monitor compliance with banking laws and regulations.
• Subsequent to the review of each relationship, assign an appropriate grade using the bank’s established guidelines and parameters and make risk grade changes when necessary. Provide detailed reasons/rationale for assigning differing risk ratings, address findings with the appropriate individuals and recommend corrective action, if necessary.
• Identify loans with well-defined weaknesses and describe deficiencies so that timely action plans can be implemented to minimize credit risk and loan losses. The rationale for assigning adverse classifications must be communicated via detailed comments or loan write-ups that describe the make‑up of the debt and explicitly points out the reasons for adverse classification.
• Identify any credit underwriting and loan documentation deficiencies, maintain current and appropriate loan review files on each credit/relationship and maintain an accurate list of financial and documentation exceptions determined during loan reviews.
• Conduct loan discussions with loan officers during loan reviews, and when necessary senior management, to ensure all factual material related to the credits being reviewed is brought forward, understood, and considered in the risk rating process. Communicate findings, observations, and recommendations clearly and concisely in both an oral and written manner.
• Perform daily reviews of bank generated reports, e.g., past dues and overdrafts, for any pertinent information with regard to the loan portfolio and potential exposure to the bank.
• Provide assistance and consultation to loan officers and other lending personnel (loan administration, lending relationship specialists, support staff, etc.) with loan review related functions, auditors, and regulatory examiners.
• Participate in all types of loan reviews and assist in the preparation of loan review reports that convey the results of…