Middle Market Banking - Portfolio Analyst

NBH Bank•Dallas, TX

2d•Onsite

About The Position

The responsibility of this position is managing specialized work efficiently, with confidence and competence. The position requires above average attention to details, concern for the exact correctness of work, and strong commitment to tasks completed on time. The person in this position will take work seriously, has a strong sense of duty, and is disciplined. A somewhat faster-than-average pace will be the norm for this position. Detailed, specialized work is the major focus. The position will provide security in a stable work environment, allowing the person to plan for, focus on and complete tasks on hand. When changes in the nature of the work occur, the person in this position will need direction, training and support. The position will generally be task oriented, requiring someone with a conservative, careful, and cautious approach to work. As a Portfolio Analyst, you will underwrite loan presentations ensuring the overall success and growth of an assigned portfolio, including originations, annual reviews, amendments, risk rating assessments, financial spreads, financial modeling, among other duties with a primary focus on credit relationships generally exceeding $5 million in total credit exposure. You will be responsible for a variety of tasks including preparing financial models for use in underwriting, supporting the management of profitable client relationships and work with other areas in the Bank including Credit Approval, Loan Operations and Executive Management. This position requires understanding and ability to critically analyze borrower financial statements using accounting and finance skills for middle market clients. Additionally, Middle Market Banking Portfolio Analysts are expected to assist relationship managers and portfolio managers with management of an existing portfolio of clients and monitor client relationship for compliance with credit standards through monthly portfolio monitoring. The position also requires the candidate to maintain a high level of analytical skills to ensure credit quality standards are met within the portfolio. You will be asked to participate in community and business functions to ensure a positive image for the bank within the regions marketplace industry and industry specific groups, establishing referral contacts within both the community & specialty industry are an important part of the role. Finally, you will build a great rapport with clients and fellow associates and treat others with respect and consideration regardless of their status or position. All associates are expected to maintain current knowledge and consistent compliance with regulations and bank policies and procedures related to the position, including but not limited to Bank Secrecy Act (BSA) and Office of Foreign Assets Control (OFAC) requirements.

Requirements

Bachelor’s degree in accounting or finance or equivalent combination of education and experience.
4+ years of relevant banking experience.
Strong business writing skills.
Self-starter personality with a passion to pursue further endeavors in the finance field.
Strong attention to detail.
Must have a valid driver's license (may not be learner’s, restricted or “to and from work” license) and driving history that meets the Bank’s driver standards.
Applicants must be legally authorized to work in the United States.

Nice To Haves

Master’s degree in accounting or finance and/or certification in the field.
Experience in a specialized segment of financial services (i.e. Healthcare, Food/Agribusiness, Asset Based Lending, Government/Nonprofit, Restaurant/Franchise, or Equipment Finance).
6+ years of relevant experience in specialty or commercial banking.
Completed formal credit training program.
Strong Excel modeling skills.
Proficient in Microsoft PowerPoint and Word.
Provide strong credit knowledge.
Ability to train and/or mentor newer Credit Analysts.
Clearly and enthusiastically convey information and ideas in a manner that engages and persuades clients.
Well-developed and proven organizational skills with ability to utilize time efficiently.
Ability to make sound and timely decisions, to consistently deliver on commitments, and assume responsibility for results.

Responsibilities

Underwrite loan presentations ensuring the overall success and growth of an assigned portfolio, including originations, annual reviews, amendments, risk rating assessments, financial spreads, financial modeling, among other duties with a primary focus on credit relationships generally exceeding $5 million in total credit exposure.
Prepare financial models for use in underwriting.
Support the management of profitable client relationships.
Work with other areas in the Bank including Credit Approval, Loan Operations and Executive Management.
Critically analyze borrower financial statements using accounting and finance skills for middle market clients.
Assist relationship managers and portfolio managers with management of an existing portfolio of clients.
Monitor client relationships for compliance with credit standards through monthly portfolio monitoring.
Maintain a high level of analytical skills to ensure credit quality standards are met within the portfolio.
Participate in community and business functions to ensure a positive image for the bank within the regions marketplace industry and industry specific groups.
Establish referral contacts within both the community & specialty industry.
Build a great rapport with clients and fellow associates and treat others with respect and consideration regardless of their status or position.
Maintain current knowledge and consistent compliance with regulations and bank policies and procedures related to the position, including but not limited to Bank Secrecy Act (BSA) and Office of Foreign Assets Control (OFAC) requirements.