Portfolio Analyst I

Metro City Bank•Doraville, GA

21h

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