Manage the Portfolio Review department, which conducts periodic loan reviews in accordance with the Bank’s SOX control to ensure that credit issues and risk exposures are thoroughly analyzed and effectively presented, the credit decisions are acceptable and the structures appropriately mitigate the Bank’s risk exposure, the credit actions adhere to Credit Policy as well as, all applicable state and federal banking regulations and the assigned Risk Ratings are accurate and justified.

• Overall supervision of the department, ensuring the Periodic Reviews are conducted timely in accordance with the SOX control, setting performance standards, giving clear direction, delegating and scheduling work.
• Managing the third-party Loan review process as well as with external auditors and regulatory agency personnel facilitating their loan review process.
• Coordinating the CRE stress testing of the portfolio on an annual basis; or more frequently if required.
• Directs the continuous review of all types of commercial, CRE, consumer and mortgage loans and commitments for the purposes of classifying loans, determining the degree of attention required, identifying potential credit problems, and ensuring conformity with company policy, advising senior credit and loan personnel on the company’s overall lending policy, noting significant trends and recommending policy changes if necessary.
• Present findings to the Audit to the Audit Committee and Directors Loan Review Committee as required.
• Assist the CCCO with portfolio risk assessment and asset quality due diligence for mergers and acquisitions.