Credit Analyst I - Portfolio Risk Management

United Business Bank•Walnut Creek, CA

39d•Onsite

About The Position

The Credit Analyst I - Portfolio Risk Management (CA I - PRM) is responsible for building working relationships that reflect respect, integrity, and excellence while working closely with, and under general supervision, the Sr. Underwriter - Sr. Team Lead and Director of Portfolio Risk Management to perform duties that support the Bank's Portfolio Risk Management team's function. Courteously and professionally, the CA I - PRM is responsible for monitoring the Portfolio Risk email inbox and completing requests that are not limited to financial analysis for annual reviews, covenant monitoring, and financial spreading. The CA I - PRM collaborates with the Client Relationship Managers and Portfolio Managers to complete annual reviews, covenant certifications and financial spreading requests and to obtain required information to complete requests. The CA I - PRM prepares the Management Loan Committee (MLC) and Directors Loan Committee (DLC) package in coordination with the Chief Credit Officer. The CA I - PRM demonstrates strong teamwork and adaptability to support their function and to assist the Sr. Underwriter - Sr. Team Lead and the Director of Portfolio Risk Management with other duties as assigned. All duties are performed accurately, timely, and efficiently, and according to Bank policies, procedures, and regulatory guidelines.

Requirements

High school graduate or equivalent.
Knowledge of banking and lending operations and procedures, as well as the various regulations and standard banking practices.
Minimum of 1 year banking experience is preferred.
Good oral and written communication abilities.
Strong math skills.
Strong interpersonal skills.
Strong business development skills.
Ability to identify, analyze and handle credit requests.
Good organizational skills.
Good personal computer skills, ability to use Word and Excel.
Professional appearance, dress and attitude.
Ability to operate standard office equipment including computer, adding machine, copy machine, fax machine, and telephone.

Nice To Haves

Bachelor's Degree in Math, Business or related field, preferred.

Responsibilities

monitoring the Portfolio Risk email inbox and completing requests that are not limited to financial analysis for annual reviews, covenant monitoring, and financial spreading
collaborates with the Client Relationship Managers and Portfolio Managers to complete annual reviews, covenant certifications and financial spreading requests and to obtain required information to complete requests
prepares the Management Loan Committee (MLC) and Directors Loan Committee (DLC) package in coordination with the Chief Credit Officer
demonstrates strong teamwork and adaptability to support their function and to assist the Sr. Underwriter - Sr. Team Lead and the Director of Portfolio Risk Management with other duties as assigned