Portfolio Quality Analyst

SUMMARY

Under close supervision of the Portfolio Manager, the Portfolio Quality Analyst is responsible for communicating and servicing existing and prospective borrowers of Access Plus Capital to minimize risks to their portfolio(s). The Portfolio Quality Analyst works closely with the Business Services department to help minimize client delinquencies and defaults and is responsible for analyzing business financials to determine borrower performance as it relates to repayments and compliance with loan covenants.

The work involves extensive communication with clients regarding personal and sensitive information. Access Plus Capital is a US Treasury-certified community development financial institution and Small Business Administration (SBA) Approved Microloan Intermediary Lender. It offers loans and training services to small businesses and entrepreneurs in central California. Since its inception in 2009, it has lent more than $37 million to over 800 entrepreneurs helping them realize their dreams by starting and growing their small businesses.

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• Responsible for designing and implementing strategies to keep borrowers current on payments.
• Recommends preventive measures to reduce delinquencies, defaults, and/or write-offs.
• Investigate, evaluate, and analyze financial statements, tax returns, and all other available sources of credit and financial information.
• Participates in portfolio and aging reviews and advises management on proper course(s) of action, as needed.
• Builds and maintains relationships with existing and potential clients.
• Collaborates with the Business Services and Business Development teams to provide support with intake, recruitment and client screening, training and technical assistance, referrals, and follow-up support comprising of one-on-one business consulting for a range of topics including business operations, management, technology, and financial management.
• Develop and oversee data tracking and project evaluation tools to monitor project outputs and outcomes to make sure delinquencies remain within acceptable delinquency rates.
• Work closely with the Portfolio Manager to execute change in terms and provide necessary advocacy for clients.
• Work with the Business Development department to identify opportunities for additional capital for existing clients.
• Provide business follow-up services, including monthly check-in calls/visits, to monitor the business’ progress toward achieving stated goals.
• Maintain a current understanding of lending policies and procedures, including regulatory compliance guidelines.
• Evaluate collateral for value, depreciation, and cost-to-cure.
• Update Portfol with activities including time spent, analysis of borrower’s existing needs and issues, and next steps.
• Assist in Portfolio internal and external audit regulations.
• Maintains a tickler system for timely follow-up with borrowers.
• Travels for agency business using personal/agency vehicle.
• Maintains regular attendance and punctuality.
• Performs other duties as assigned.

To execute this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Education: Bachelor's degree in Business Administration, Finance, Accounting, Economics, or related field preferred.
• Experience:
  • Minimum one (1) year of customer service experience in banking or lending preferred.
  • Minimum one (1) year of small business financial analysis experience preferred.
• Other
  
  Qualifications:
  
  
  • Bilingual in English and Spanish is preferred based on the needs of the clients and the program.
  • Significant level of trust and diplomacy, in addition to normal courtesy and tact required.
  • Strong analytical ability and creative problem-solving skills.
  • Detail-oriented with strong reading comprehension and data interpretation skills.
  • Effective presentation, written and verbal communication skills.