Vantage Bank Texas Visa Sponsorship USA

At Vantage Bank, we're driven by a deep commitment to supporting our customers, valuing our employees, embracing diversity, fostering meaningful connections, and providing outstanding service every step of the way.

JOB SUMMARY

The Loan Review Manager serves as a senior member of the Bank’s independent credit risk oversight function and is responsible for executing and supervising the Bank’s Loan Review Program. This position provides objective assessment of credit quality, underwriting practices, portfolio risk trends, and adherence to regulatory guidance and internal policy. The Loan Review function operates independently and serves as a critical component of the Bank’s internal control framework. The Loan Review Manager supports the Director in providing transparent, timely, and risk-focused reporting to Senior Management and the Board of Directors (or designated committee). This role functions as a second line of defense and acts as an early warning mechanism for emerging credit risk. The position requires sound credit judgment, strong regulatory knowledge, and the ability to communicate complex risk matters clearly and effectively.

ESSENTIAL DUTIES

The duties listed below may not include all responsibilities that the person in this role may be asked to perform. Incumbent may be required to perform other related duties as assigned.

• Executes and supervises the annual Loan Review Plan, including portfolio coverage, targeted reviews, and special projects.
• Performs and supervises independent reviews of CRE, C&I, construction, agricultural, and other loan types of moderate to high complexity.
• Identifies emerging trends, concentrations, and systemic underwriting weaknesses.
• Recommends risk grade adjustments where appropriate and provides well-supported conclusions.
• Reviews and edits workpapers and credit memoranda for technical accuracy and analytical rigor.
• Supervises and mentors Loan Review Analysts.
• Provides coaching to strengthen analytical skills and consistency across the department.
• Assists in training initiatives and development of internal review methodologies.
• Prepares written reports summarizing findings, portfolio trends, and risk grade migration.
• Presents review results and trends to the Loan Review Director and Senior Management.
• Participates in presentations to the Audit Committee or Board, as required.
• Discusses findings constructively with lending officers and senior credit leadership while maintaining independence.

• Ensures compliance with:

• Interagency Credit Risk Review guidance

• Uniform Agreement on Classification of Assets
• ALLL/ACL regulatory expectations
• Applicable state and federal banking regulations
• Assists in regulatory examination support and external audit coordination.
• Remains informed of changes in banking regulations, accounting standards, and industry’s best practices.
• Participates in policy enhancement initiatives and risk grading framework refinement.
• Supports ad hoc requests from Senior Management, the Loan Review Director, or Audit Committee.
• Other duties as assigned.

QUALIFICATIONS

These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. The requirements listed below are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner. Individual abilities and organizational limitations may result in some deviation from these guidelines.

• Bachelor’s degree or equivalent in Finance, Accounting, Business, or related field required.
• Minimum 8 years of experience in commercial lending, credit underwriting, credit administration, loan review, or regulatory examination.
• 3+ years of prior leadership experience including coaching, workflow oversight, or mentoring.
• Strong knowledge in Commercial and CRE underwriting, Global cash flow analysis, Collateral valuation principles, Risk grading methodologies, Regulatory classification standards (Pass, Special Mention, Substandard, Doubtful, Loss), and ACL/CECL fundamentals.
• Advanced financial statement analysis skills.
• Strong understanding of loan documentation and covenant structures.
• Strong computer skills to include proficiency with Microsoft Office suite of products (specifically Word, Excel and PowerPoint) and the ability to learn and utilize custom banking systems and applications in a rapidly changing business and technology environment.
• Excellent analytical, time management, organizational and problem-solving skills with the ability to multi-task and work in a deadline-driven environment.
• Must be self-motivated with strong initiative, high level of accountability, and attention to detail.
• Sound independent judgment.
• Ability to always maintain a high degree of ethical standards and complete confidentiality.
• Excellent verbal, written, presentation and interpersonal communication skills.
• Ability to manage multiple concurrent reviews and deadlines.

Preferred Skills

• Prior regulatory or examiner experience.
• Formal credit training.
• Credit and Risk Analysis Certifications.

COMMUNITY IMPACT

Community involvement is part of who we are. Our culture is built on teamwork, purpose, and service. We value volunteerism and create opportunities for employees to connect, give back, and make a positive difference in our communities. As part of the Vantage Bank team, all associates should embrace our community involvement and culture to ensure we are making an impact.

BANK SECRECY ACT (BSA)

All employees of Vantage Bank, herein referenced to as the “Bank”, must comply with the terms of the BSA Policy upon acceptance of this position. The primary responsibility for enforcement of this policy and its operating procedures rests with the BSA/AML/OFAC Officer. However, it is the responsibility of each employee to take the required BSA training modules and become familiar with and adhere to the Bank Secrecy Act, Anti Money Laundering and Office of Foreign Asset Control Policy.

EOE/M/F/D/V