AVP - Portfolio Analyst

Berkadia•Ambler, PA

16h•Hybrid

About The Position

The Assistant Vice President - Portfolio Analyst will serve as the primary point of contact for both borrowers and lenders within the Servicing group. This role involves liaising with a diverse range of stakeholders including other servicing staff, Berkadia Mortgage Banking personnel, third-party lenders, trustees, investors, government agencies, and various real estate and construction professionals. The AVP - Portfolio Analyst will manage a portfolio primarily consisting of non-stabilized properties, structured transactions, balance sheet, and complex loans.

Requirements

Proficient in Microsoft Office (Outlook, Word, Excel) and familiar with mortgage industry-specific applications like McCracken Strategy, along with strong ability to adapt to new software and intranet-based workflows.
Strong customer service orientation, with a focus on risk management and asset management, complemented by excellent communication skills for clear and effective interaction across all organizational levels.
Exceptional organizational skills, capable of multitasking effectively in a dynamic, fast-paced environment with competing priorities, and a keen attention to detail.
Skilled in analyzing property operating statements and rent rolls to assess asset performance in relation to loan requirements and underwritten metrics.

Responsibilities

Serve as the primary point of contact for borrowers and lenders, managing a portfolio of commercial mortgage loans and fostering Berkadia’s servicing relationships.
Ensure compliance with all applicable loan documents, inter-creditor, participation, and servicing agreements, and handle timely processing of all loan-related matters and requests.
Maintain comprehensive knowledge of loan documents, lender agreements, and servicing contracts to effectively administer loans and ensure company compliance.
Monitor and process borrower requests, prepare underwriting recommendations for approval by Berkadia managers or external lenders, collaborating with internal/external counsel, rating agencies, and trustees as needed.
Administer daily loan portfolio activities, including payment status checks, collection calls, fund identification, and compliance monitoring, escalating non-compliance or defaults as necessary.
Collaborate with functional units such as Tax, Insurance, and Escrow Analysis to process borrower requests and administer loan requirements, including reserve draws and insurance maintenance.
Collect and assist with the analysis of property operating statements, rent rolls, and financial statements of borrowers/guarantors.
Review and analyze financial covenants, trigger events, and debt service coverage ratio (DSCR) tests.
Monitor property performance, including analysis of the borrower’s business plan and market conditions.
Prepare quarterly asset summaries, surveillance reports, and other required deliverables for lenders.
Review and prepare recommendation packages for future funding draws, including contract reviews and construction budget assessments.
Handle detailed referral requests to other servicing departments for transactions requiring lender consent, such as easements and casualty losses.
Consult with Berkadia managers and follow up with borrowers to ensure the completion of requests and inquiries.
Manage and escalate complex issues requiring higher-level decision-making within Berkadia or consent from external parties.
Approve e-forms and recommend defaulted loans for transfer to the special servicer, adhering to Berkadia’s Banking and Cash Activities Approval Limits.
Other duties as assigned.