Loan Portfolio Analyst II

FIRSTAR BANK•Tulsa, OK

About The Position

Position Purpose: Ensure strong asset quality by auditing commercial loan files for policy compliance and accuracy. This position plays an important role in reviewing and identifying credit risk trends and recommending process improvements to help safeguard the Bank's loan portfolio.

Requirements

Analytical and problem-solving skills.
Excellent written and oral communication skills as well as the ability to read and understand policies and procedures.
Critical thinking skills.
Strong sense of initiative; self-motivated; work well without close supervision.
Ability to build professional relationships with coworkers.
Knowledge of banking industry, lending policies, procedures, and related government regulations.
Understanding and application of financial ratios, financial analysis, and accounting principles.
Strong computer skills; proficient in Microsoft Word, Excel and Outlook.
Understanding of UCC, appraisals, and loan documentation concepts.
Bachelor's degree in Finance, Accounting, or a related business degree; or a bachelor's degree in a non-related field with equivalent related experience.
Minimum four (4) years of experience as a credit or financial analyst with underwriting ability, preferred.
Minimum two (2) years of loan review experience, required.

Responsibilities

Conduct the Bank’s internal loan review and audit processes while supporting strong asset quality for credits of varying size and complexity.
Review commercial loan files for accuracy, documentation, and compliance with credit standards, policies, and regulatory requirements.
Provide written analysis of loan relationships, assess underwriting accuracy, ensure loan risk rating changes are timely, accurate, and provide early identification of negative risk trends.
Perform continuous monitoring of the commercial credit portfolio through meeting participation and analytical reporting.
Analyze and evaluate loan exceptions and associated mitigants.
Work closely with management to identify and address potential risks and trends.
Communicate issues and process improvement recommendations to management.
Complete annual training as required.
Participate in bank/community activities.
Other duties as assigned.