Portfolio Analyst

Avidbank•San Jose, CA

1d•$70,000 - $100,000•Onsite

About The Position

The Portfolio Analyst is responsible for managing a portfolio of clients and developing good business relationships that lead to loans, deposits and other banking products offered by the Bank. The Portfolio Analyst will assist with the management sales and service efforts to ensure retention of existing relationships and growth of new relationships; including tapping into their own professional network.

Requirements

2+ years of related experience in the financial industry
Results driven
Financial modeling experience and comfort
Skilled communicator (written and verbal)
Strong ability to lead and motivate junior staff
Ability to interpret financial data and reports and when necessary, recommend appropriate actions
Ensures absolute confidentiality in all areas of responsibility
Proactive attitude and resourcefulness
Bachelor's degree along with at least 2 years of related experience. Qualified candidates with equivalent experience should apply.

Nice To Haves

Thrives in a dynamic and remote work environment

Responsibilities

Assist in the underwriting and evaluation of new prospects and existing clients to support the senior relationship manager and/or banker
Take ownership of all aspects of the underwriting, including spread preparation and presentation, cap table analysis, and financial due diligence.
Coordinate with all Avidbank support groups to deliver an outstanding client experience.
Proactively track performance of client operations, interfacing with the client and investment partners to consistently to monitor borrower performance.
Perform ongoing financial analysis to monitor trends and new developments that may impact loan performance.
Lead the underwriting, approval, negotiating, and closing processes for additional funding requests or modifications to existing loans.
Coordinate with existing clients and Bank to win the business of any new funds being raised by the client.
Coordinate with Bank, legal teams, loan closing team and prospect to support documentation of the Loan and Security Agreement (LSA), negotiation of the LSA language and terms with prospect on Bank’s behalf. Lead the collection of all Bank required documents from the prospect, diligence review, and establishment of loan facility.
Prepare monthly reports and summaries to keep management informed on portfolio performance.
Communicate with client and Credit team to anticipate potential loan issues or questions and work with the senior relationship manager to formulate creative resolutions.
Perform other duties as assigned.