MFD Loan Analyst

Columbia Bank•Irvine, CA

1d•$75,000 - $90,000•Onsite

About The Position

The MFD Portfolio Analyst serves as the primary point of contact for multifamily clients and internal bank departments. The analyst troubleshoots and resolves issues to support a positive client experience while protecting the Bank’s interests, and identifies opportunities to deepen client relationships through referrals. The role manages and monitors a large multifamily loan portfolio, analyzes financial data and client requests, and makes formal recommendations and presentations to the ISF Manager. The position collects and reviews property, title, rent roll, operating, financial, and entity documentation; evaluates financial statements for trends, weaknesses, and industry comparisons; and prepares pre-flights for assumption and new business requests in accordance with Bank guidelines, regulations, and business needs. It monitors repayment activity and borrower financial condition, follows up on past-due accounts, and confirms repayment capacity across the portfolio. The analyst works with the Central Portfolio Servicing Team to collect required financial and loan documents and maintain business financial files. The role also coordinates with Loan Servicing Support to resolve portfolio errors or changes and monitor loan upgrades and downgrades. Client-facing duties include keeping ACH, monthly statements, and customer information accurate; coordinating upcoming rate adjustments; resolving escalated issues; and listening for and referring deposit and loan opportunities to appropriate Bank divisions. The position requires compliance with applicable banking regulations, Bank policies, and required training, including maintaining working knowledge of relevant regulations and Bank Secrecy Act requirements. The analyst may coach, mentor, or train others, and may perform other duties as assigned. Occasional travel is required. The role is fully onsite at the posted Irvine, California location.

Requirements

2–4 years of related portfolio management experience (required).
Intermediate knowledge of income-producing real estate and applicable real estate laws, notes, and deeds of trust.
Proficiency analyzing financial statements, operating statements, leases, rent rolls, and tax returns.
Proficiency in mathematics and techniques used to analyze income-property financial data.
Intermediate knowledge of multifamily real estate loan underwriting criteria established by institutional lenders, including Columbia Bank.
Strong analytical, organizational, interpersonal, and customer service skills.
Excellent written and verbal communication skills.
Advanced multitasking skills.
Proficiency with word processing, spreadsheets, email, and industry-specific software.
Ability to work fully onsite at the posted location.
Occasional travel.

Nice To Haves

Experience with Word, Excel, Outlook, and Streets & Maps.

Responsibilities

Serve as the primary point of contact for multifamily clients and internal bank departments.
Troubleshoot and resolve client and portfolio issues while protecting the Bank’s interests and supporting a positive client experience.
Identify referral opportunities and refer deposit and loan opportunities to appropriate Bank divisions to deepen client relationships.
Manage and monitor a large multifamily loan portfolio.
Analyze financial data and client requests and make formal recommendations and presentations to the ISF Manager.
Collect property data, title reports, rent rolls, operating statements, financial statements, and entity documents.
Analyze financial statements to identify trends, weaknesses, and industry comparisons as part of loan review functions.
Prepare pre-flights for assumption and new business requests in accordance with Bank guidelines, regulations, and business needs.
Monitor loan repayment activity and borrower financial condition; take necessary action to collect past-due accounts and confirm repayment ability for other accounts.
Work with the Central Portfolio Servicing Team to collect financial statements, tax returns, personal financial statements, insurance, title work, and other materials needed to maintain business financial files.
Work with the Loan Servicing Support Team to resolve errors or changes and monitor and address loan upgrades and downgrades.
Coordinate with clients to keep ACH arrangements, monthly statements, and customer data current and accurate.
Escalate and resolve errors to support client experience and portfolio performance.
Notify and coordinate with clients about upcoming rate adjustments.
Comply with applicable banking regulations, Bank policies and procedures, and required annual or job-specific training; keep up to date on regulatory changes.
Maintain working knowledge of Bank policies and procedures concerning the Bank Secrecy Act, Regulation CC, Regulation E, Regulation B, Bank Security, and other applicable regulations.
May coach, mentor, or train others and teach coursework as a subject matter expert.
Demonstrate and foster Columbia’s corporate culture and take personal initiative as a positive example.
Perform other duties as assigned.

Benefits

Medical, dental, and vision plans for eligible associates.
401(k) retirement savings plan with employer match for qualifying associate contributions.
Employee assistance program.
Life insurance.
Disability insurance.
Tuition assistance.
Mental health resources.
Identity theft protection.
Legal support.
Auto and home insurance.
Pet insurance.
Access to an online discount marketplace.
Paid vacation, sick days, volunteer days, and holidays.
The role may be eligible for performance-based incentive compensation.