Portfolio Analyst I

Metro City Bank • Doraville, GA

1d

About The Position

The Commercial Loan Portfolio Analyst is responsible for analyzing credit requests and data, generate credit write-ups, analyze financial statements, assist in credit recommendations, insure compliance of loans with credit policy and manage the Commercial loan portfolio. Additionally, the Loan Portfolio Analyst will service and follow up on delinquent loans.

Requirements

• Some College or Associates Degree in finance or equivalent work experience
• 2 – 3 Years work experience in a financial institution
• Software skills including Microsoft Office, Adobe, Internet, and Email
• Ability to communicate objective views based on professional analysis
• Knowledge of economic and accounting principles and practices, banking and the analysis and reporting of financial data
• Organized and able to manage multiple projects with differing priorities to meet deadlines.
• Knowledge and understanding of financial statement analysis
• Strong time management skills and ability to meet deadlines

Nice To Haves

• Bilingual skills Preferred: English/Korean, English/Chinese

Responsibilities

• Perform financial statement analysis, credit report analysis and analysis of property for renewal.
• Industry research
• Develop and negotiate revised loan repayment terms
• Present recommendations to the credit committee
• Prioritize multiple tasks to meet business deadlines while ensuring credit integrity of the transaction
• Collect financial statements, tax returns, personal financial statements, insurance, title work, etc. for proper maintenance of the loan portfolio
• Perform annual loan reviews and site visits
• Perform CRE stress test on a semi-annual basis
• Follow up on Insurance lapse and forced placed insurance as well as delinquent property taxes
• Effectively communicate with the customer regarding collateral swap/partial buy down
• Send non-renewal letter to matured loan borrowers
• Send demand letters to delinquent loan borrowers
• Perform all duties in compliance with BSA/AML regulations and requirements
• Obtains adequate data for CIP on all wire and money instrument transactions
• Monitors and reports suspicious activity to the BSA Officer

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Education Level: Associate degree