MFD Loan Analyst

Columbia Bank•Irvine, CA

2d•$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 role 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 position manages and monitors a large multifamily loan portfolio, analyzing financial information to evaluate client requests and preparing formal recommendations and presentations for the ISF Manager. It collects and reviews property, title, rent-roll, operating, financial, and entity documentation; performs loan reviews; prepares pre-flights for assumption and new-business requests; and monitors borrower repayment activity and financial condition. The analyst works with portfolio servicing and loan servicing support teams to maintain complete files, resolve errors, and monitor loan upgrades and downgrades. The analyst coordinates with clients to keep ACH arrangements, monthly statements, and customer data accurate; addresses errors; and communicates upcoming rate adjustments. The role also listens for client needs and refers deposit and lending opportunities to appropriate Bank divisions. It requires compliance with applicable banking regulations, Bank policies, procedures, and training requirements, along with a working knowledge of regulations including the Bank Secrecy Act and Regulations CC, E, and B. The analyst may coach, mentor, or train others, and may perform other duties as assigned. This position is fully onsite at the posted Irvine, California location. Occasional travel is required. The pay range is $75,000 to $90,000, with possible performance-based incentive compensation. The selected candidate’s pay depends on factors such as job-related knowledge, skills, experience, education, and geographic location.

Requirements

2–4 years of related portfolio management experience (required).
Intermediate knowledge and understanding 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, and email.

Nice To Haves

Familiarity with Word, Excel, Outlook, and Streets & Maps is preferred.

Responsibilities

Serve as the primary point of contact for multifamily clients and internal Bank departments; troubleshoot and resolve issues while protecting the Bank’s interests.
Manage and monitor a large multifamily loan portfolio, analyze financial data, evaluate client requests, and prepare formal recommendations and presentations for 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 reviews.
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 portfolio files.
Work with the Loan Servicing Support Team to resolve portfolio 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.
Notify and coordinate with clients regarding upcoming rate adjustments, listen for client needs, and refer deposit and loan opportunities to appropriate Bank divisions.
Comply with applicable banking regulations, Bank policies and procedures, and required annual or job-specific training; keep current on regulatory changes.
Maintain working knowledge of applicable written policies and regulations, including the Bank Secrecy Act and Regulations CC, E, and B.
May coach, mentor, or train others and teach coursework as a subject matter expert.
Foster Columbia’s corporate culture, take personal initiative, and serve as a positive example.
Perform other duties as assigned.

Benefits

Eligible associates receive medical, dental, and vision coverage.
401(k) retirement savings plan with employer match for qualifying associate contributions.
Employee assistance program.
Life insurance and 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.
Benefits eligibility begins the first day of the month following hire for associates regularly scheduled to work at least 30 hours weekly.
The role may be eligible for performance-based incentive compensation.