A professional who evaluates quality of commercial loans and assigns risk rating. Responsibilities include:

• Selects loans to evaluate for credit risk according to factors, such as geographical location, and type and amount of loan.
• Records data on work sheet, such as purpose of loan, balance, collateral, and repayment terms.
• Verifies value of collateral by calling appraisers and auction houses for current value of machinery and equipment.
• Calls real estate appraiser for new real estate appraisal.
• Evaluates information to determine whether lending officers have stayed within guidelines of lending authority, if loan is in compliance with banking regulations, and if required documents have been obtained.
• Identifies problem loans and describes deficiencies.
• Assigns risk rating indicating borrower's financial strength and probability of loan repayment.
• Writes summary of analysis and reasons for assigning adverse risk rating.
• May act as senior analyst and coordinate data collection and evaluations of credit quality of commercial loans, and present loan review information and report to management.