
Commercial Portfolio Analyst II (HYBRID)
Job Description
Description
The Commercial Portfolio Analyst II manages an existing commercial loan portfolio by effectively liaising with internal and external business partners.
- Analyze existing complex business and commercial loans and evaluate ongoing performance levels, and ensure compliance to specific performance requirements due to repair, replacement reserve, violations, etc.
- Complete financial and repayment analysis with a focus on cash flow, liquidity, and leverage analysis
- Partner with borrowers, lenders, legal counsel, commercial loan officers, and servicing regarding commercial real estate finance and loan administration
- Request, collect, and review quarterly and annual review documentation
- Create and present relevant loan portfolio reports as required, and provide insights and strategic business recommendations
- Maintain compliance monitoring database that tracks credit approval requirements and receipt of member's financial reporting requirements
- Research as required to maintain and up-to-date knowledge of products, rates and compliance with regulatory requirements
- Manage and process requests relating to various areas of Commercial Lending Servicing
- Participate in training and orientation of Analysts
- Minimum Education: Bachelor’s degree in Finance or other related fields of study is preferred
- Minimum 3 years’ experience in an analyst role supporting commercial and/or business lending portfolio analysis; experience evaluating and analyzing complex tax returns
- Strong knowledge of accounting principles and financial analysis methodologies
- Demonstrated ability to present complex commercial lending and credit risk related information
- Strong analytical and problem solving skills; ability to resolve complex issues with minimal direction
- Ability to work autonomously to manage time effectively and prioritize work appropriately to meet deadlines
- Strong business communication skills; able to write/speak clearly and professionally for a variety of stakeholders
- Demonstrated ability to establish credibility and rapport with internal and external stakeholders
- Proven ability to maintain confidentiality and professionally handle sensitive documents
- Intermediate knowledge of Microsoft Office Suite
- Traditional medical, dental, and vision coverage
- 401K matching up to 5% per pay period
- Paid Time Off: You’ll accrue up to 15 vacation days in your first year. In addition, you’ll receive 40 hours of sick time and 3 personal days, which refresh annually
- 11 paid federal holidays
- Special employee pricing on lending products such as mortgage, auto, and personal loans (eligibility for special employee pricing is subject to standard account requirements and underwriting criteria)