Portfolio Analyst I (Finance)

Title: Commercial Loan Portfolio Analyst

Department: Loans

Reports to: Commercial Loan Portfolio Manager

FLSA Code:   Non-Exempt  

Overview:

 

The Commercial Loan Portfolio Analyst is responsible for analyzing credit requests and data, generate credit write-ups, analyze financial statements, assist in credit recommendations, insure compliance of loans with credit policy and manage the Commercial loan portfolio. Additionally, assist with standby letter of credits, documentation of collections and payments, wire transfers and provide standby letter of credits.

 

Essential Duties:

• Perform financial statement analysis, credit report analysis and analysis of property for renewal.
• Present recommendations to the credit committee
• Prepare and present loan amendments for various loan servicing requests for conventional and SBA loans
• Collect financial statements, tax returns, personal financial statements, insurance, title work, etc. for proper maintenance of the loan portfolio
• Perform annual loan reviews and site visits
• Perform CRE stress test on a semi-annual basis
• Follow up on Insurance lapse and forced placed insurance as well as delinquent property taxes
• Effectively communicate with the customer regarding collateral swap/partial buy down and any other loan servicing requests
• Prepare and present loan amendments for various loan servicing requests
• Send non-renewal letter to matured loan borrowers
• Send demand letters to delinquent loan borrowers
• Prepare and submit UPP Tabs for defaulted SBA 7(a) loans.
• Prepare and submit Final Wrap Up report for defaulted SBA 7(a) loans
• Handle Int'l trade related collections, financial arrangements, tracers and payments both import and export
• Provide Standby Letter of Credit issuance, amendment, negotiation and reimbursement.
• Verify and approve International & Domestic outward wire transfers, request data entry person to correct if any
• Ensure strict compliance to relevant laws, regulations, and International Practices relating to: UCP600, URR525, URC522, and ISP98.
• Perform all duties in compliance with BSA/AML regulations and requirements
• Obtains adequate data for CIP on all wire and money instrument transactions
• Monitors and reports suspicious activity to the BSA Officer

 

Competencies:

To perform the job successfully, an individual should demonstrate the following competencies:

• Analytical - Collects and researches data.
• Problem Solving - Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully;
• Customer Service - Manages difficult or emotional customer situations; Responds promptly to customer needs
• Interpersonal Skills - Focuses on solving conflict, not blaming; Maintains confidentiality; Listens to others without interrupting; Keeps emotions under control; Remains open to others' ideas and tries new things.
• Diversity - Shows respect and sensitivity for cultural differences.
• Ethics - Treats people with respect; Keeps commitments; Inspires the trust of others; Works with integrity and ethically; Upholds organizational values.
• Judgment - Exhibits sound and accurate judgment; Includes appropriate people in decision-making process.
• Professionalism - Approaches others in a tactful manner; Reacts well under pressure; Treats others with respect and consideration regardless of their status or position; Accepts responsibility for own actions; Follows through on commitments.
• Dependability - Follows instructions, responds to management direction; Takes responsibility for own actions; Keeps commitments; Commits to long hours of work when necessary to reach goals; Completes tasks on time or notifies appropriate person with an alternate plan.

Education/Additional Training or Certifications:

• Some College or Associates Degree in finance or equivalent work experience
• 2 – 3 Years work experience in a financial institution

Knowledge/Experience:

• Software skills including Microsoft Office, Adobe, Internet, and Email
• Ability to communicate objective views based on professional analysis
• Knowledge of economic and accounting principles and practices, banking and the analysis and reporting of financial data
• Organized and able to manage multiple projects with differing priorities to meet deadlines.
• Knowledge and understanding of financial statement analysis
• Strong time management skills and ability to meet deadlines

Language Skills

• English Required
• Bilingual skills in reading, writing and speaking English/Korean, English/Chinese preferred.

Work Environment:

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually moderate.

Physical Demands:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

 

While performing the duties of this Job, the employee is regularly required to sit; use hands to finger, handle, or feel and talk or hear. The employee is occasionally required to stand; walk and reach with hands and arms. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision and color vision.

AAP/EEO Statement:

Metro City Bank is an Equal Employment Opportunity/Affirmative Action Employer with regard to Females, Minorities, Veterans and Disabled Persons

Other Duties
Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.

 

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)

See job description