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JOB SUMMARY The Loan Review Specialist has responsibility for advancing Nicolet?s internal loan review function by independently and objectively assessing the quality and collectability of Nicolet?s credit portfolio. The Loan Review Specialist will sample, investigate, and examine individual credits or segments of the portfolio to minimize financial loss to Nicolet.
JOB ACCOUNTABILITIES
The following are essential job accountabilities:

• Perform an independent review of assigned credit files, including additional investigation when warranted, to ensure that the risk grading assigned by the loan officer and the credit underwriting procedure was (and continues to be) reasonable. The Loan Review Specialist?s review may include, but is not limited to, the consideration of factors such as the Borrower?s current loan repayment ability, the appropriateness of loan structure, and other extenuating circumstances identified by the Loan Review Specialist.
• Assign an alternative risk grading, when appropriate in the Loan Review Specialist?s independent judgment and discretion to do so, and communicate those findings to the appropriate loan officer and the Loan Review Manager.
• Report any non-compliance with Nicolet?s loan policy or procedures to the appropriate loan officer and Loan Review Manager including, but not limited to, incomplete security documentation or poor quality of credit administration.
• Prepare Portfolio Monitoring Reports to the Loan Review Manager and to outside auditors explaining and supporting the Loan Review Specialist?s findings during file review.
• Build and maintain relationships with commercial loan officers.
• Make recommendations for loan process or policy changes to the Loan Review Manager.

Key Job Behaviors
Knowledge/Skills/Abilities :

• Thorough knowledge of lending laws and regulations
• Strong analytical, technical, and statistical skills
• Sound working knowledge of accounting principles and financial statements
• Ability to create reports of review findings
• Capability to effectively present information and respond to questions from groups of lenders, managers, directors and/or regulatory officials
• Strong integrity in all areas, adhering to policies, regulations and utmost ethical and legal standards
• Uphold confidentiality and privacy of findings in all situations
• Demonstrate ability to prioritize and handle multiple projects
• Computer skills, including Microsoft Office Suite

Communication: Ability to communicate effectively, both written and verbal, with others in a work environment.
Compliance : Uphold Nicolet?s philosophy and policies by maintaining appropriate controls to assure full compliance with applicable laws and regulations, thereby fulfilling legal responsibilities and enhancing the quality of Nicolet.
Diversity Mindset: Ability to understand the value of diversity within the workplace and to work successfully with others without regard to age, gender, race, sexual orientation, ethnicity, culture, religion, disability status, socioeconomic status or other non-job-related classification. A commitment to Nicolet's policies on equal employment opportunities and non-discrimination with a willingness to pursue efforts of inclusion and respect toward different perspectives.
Minimum Education : High School Education. Preferred Associate?s Degree or Bachelor?s Degree in Finance, Business Administration or Related Field
Minimum Experience : 1+ years in loan review or comparable experience in credit risk management.
PHYSICAL DEMANDS In compliance with the ADA, performance of this job requires certain physical demands. These demands are as follows but not limited to the ability to sit, stand and walk often throughout the day, constantly be able to operate with their hands and arms, occasionally ascend/descend flights of stairs, position themselves frequently throughout the day, communicate with other employees, able to examine their work and regularly lift and/or move up to 10 pounds while occasionally lift and/or move up to 25 pounds. These physical demands must be met by an employee to be successful and perform at full potential but reasonable accommodations may be made to enable individuals with disabilities to perform the essential job functions.