Portfolio Analyst

Doraville - Main Office
Metro City Bank | Main Office - Headquarters
5114 Buford Highway
Doraville, GA 30340, USA

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, the Loan Portfolio Analyst will service and follow up on delinquent loans.

• Perform financial statement analysis, credit report analysis and analysis of property for renewal.
• Industry research
• Develop and negotiate revised loan repayment terms
• Present recommendations to the credit committee
• Prioritize multiple tasks to meet business deadlines while ensuring credit integrity of the transaction
• 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
• Send non-renewal letter to matured loan borrowers
• Send demand letters to delinquent loan borrowers
• 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

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.
• Oral Communication - Speaks clearly and persuasively in positive or negative situations;
  Listens and gets clarification;
  Responds well to questions;
  Demonstrates group presentation skills;
  Participates in meetings.
• Written Communication - Writes clearly and informatively;
  Edits work for spelling and grammar;
  Varies writing style to meet needs;
  Presents numerical data effectively;
  Able to read and interpret written information.
• Business Acumen - Understands business implications of decisions;
  Demonstrates knowledge of market and competition.
• 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.
• Organizational Support - Follows policies and procedures;
  Completes administrative tasks correctly and on time;
  Supports organization's goals and values;
  Benefits organization through outside activities;
  Supports affirmative action and respects diversity.
• Judgment - Exhibits sound and accurate judgment;
  Includes appropriate people in decision-making process.
• Motivation - Demonstrates persistence and overcomes obstacles;
  Measures self against standard of excellence.
• 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.
• Quality - Demonstrates accuracy and thoroughness;
  Looks for ways to improve and promote quality;
  Monitors own work to ensure quality.
• Quantity - Meets productivity standards;
  Completes work in timely manner;
  Strives to increase productivity;
  Works quickly.
• Adaptability - Adapts to changes in the work environment;
  Manages competing demands;
  Able to deal with frequent change, delays, or unexpected events.
• Attendance/Punctuality - Is consistently at work and on time;
  Ensures work responsibilities are covered when absent;
  Arrives at meetings and appointments on time.
• 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.
• Initiative - Volunteers readily;
  Undertakes self-development activities;
  Seeks increased responsibilities;
  Asks for and offers help when needed.
• Innovation - Meets challenges with resourcefulness.

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…