Middle Market Banking - Portfolio Analyst

NBH Bank•Dallas, TX

26d•Onsite

About The Position

The Portfolio Analyst underwrites loan presentations and supports the overall success and growth of an assigned middle-market portfolio, with a primary focus on credit relationships generally exceeding $5 million in total credit exposure. Work includes originations, annual reviews, amendments, risk-rating assessments, financial spreads, and financial modeling. The analyst prepares models for underwriting, supports profitable client relationship management, and works with Credit Approval, Loan Operations, Executive Management, relationship managers, and portfolio managers. The role requires critical analysis of borrower financial statements using accounting and finance skills, monitoring existing client relationships for compliance with credit standards through monthly portfolio monitoring, and maintaining analytical standards that help ensure portfolio credit quality. The analyst also participates in community and business functions, develops referral contacts in the community and specialty industries, and builds respectful, effective relationships with clients and associates. Associates must maintain current knowledge of and comply with applicable regulations and bank policies, including Bank Secrecy Act (BSA) and Office of Foreign Assets Control (OFAC) requirements. The position is detailed and task-oriented, requiring careful, accurate, timely work at a somewhat faster-than-average pace. It is based in an office setting with traditional hours. The role may require driving, travel estimated at 10% of the time, overtime, and additional hours outside routine business hours as necessary. The work may require maintaining a rapid pace for extended periods, typically no longer than eight hours.

Requirements

Bachelor’s degree in accounting or finance, or an equivalent combination of education and experience.
At least 4 years of relevant banking experience.
Strong business writing skills.
Self-starter personality and a passion for pursuing further endeavors in finance.
Strong attention to detail.
Valid driver's license if driving is required; the license and driving history must meet the Bank’s driver standards.
Ability to work at a rapid pace for extended periods, typically no longer than 8 hours.
Ability to work overtime and additional hours outside routine business hours as necessary.
Ability to travel; estimated at 10% of the time.

Nice To Haves

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

Responsibilities

Underwrite loan presentations for middle-market credit relationships, including originations, annual reviews, amendments, risk-rating assessments, financial spreads, and financial modeling.
Prepare financial models for use in underwriting.
Support the management of profitable client relationships and work with Credit Approval, Loan Operations, and Executive Management.
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 analytical standards to ensure credit quality within the portfolio.
Participate in community and business functions to promote a positive image of the bank and establish referral contacts in the community and specialty industry groups.
Build rapport with clients and fellow associates and treat others with respect and consideration.
Maintain current knowledge of and comply with regulations and bank policies and procedures, including BSA and OFAC requirements.