Specialist Credit Analyst l - Portfolio Management
Specialist Credit Analyst l - Portfolio Management
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Job Description
Come Join our dynamic team as a Credit Analyst l where your expertise in verifying and executing critical loan documents will be instrumental in driving the success of our loan modifications.
As a Credit Analyst l within Business Banking Portfolio Management Center you will perform necessary credit analysis due diligence loan underwriting and review of documents for loan modifications. You will review and prepare written analysis spreadsheets reports summaries opinions and prepare of loan memorandum for presentation to managers. You will review simple deals as well as very complex deals and manage all aspects of the modification deals.
Job responsibilities
- Organize and underwrite commercial Small Business Administration (SBA) and conventional business lines of credit and term loans
- Review and analyze underperforming or troubled debt restructures transferred from the Manage Access Officer
- Measure Obligor and Business Grades as well as other collateral ratings to properly access the loan risk
- Obtain loan request information from Mange Access officer to analyze credit information financial statements and other related information pertaining to the restructure
- Research background documentation and review personal and business financial statements and tax returns
- Analyze financial information and prepares preliminary analysis for the lender
- Review loan file to ensure the completeness of the file and that all collateral has been secured properly
- Review and prepare written analysis spreadsheets reports summaries and opinions
- Assist officers with calls on terms and past due accounts as assigned by senior management within the banks loan portfolio
- Adhere to process documentation analyzing and booking of each account assigned
- Maintain close relationship with Document Preparation booking departments to ensure accuracy in closing documents and bookings
Required qualifications capabilities and skills
- 1years of Credit Analysis experience
- Ability to analyze loans to make good sound business decisions
- Ability to work under stringent deadlines stressing urgency to achieve monthly goals
- Demonstrates multitasking and organizational skills and ability to handle confidential material
- Strong written and verbal communication skills
- Proficient use of Microsoft Excel Word Outlook and Power Point
- High School Diploma or GED
Preferred qualifications capabilities and skills
- 1 years of Underwriting and loan modification
- Business or Commercial loan work experience
- Bachelors degree and/or completion of a major corporate bank credit training program
- Proficient knowledge of Bank systems: Vendor Loan System Apstar Customer Assist Link Loan Track and IVault
Required Experience:
IC
Employment Type
Full-Time
