Portfolio Monitoring Analyst

Capital Farm Credit • Round Rock, TX

3d • Onsite

About The Position

Assists Relationship Managers and Credit personnel with monitoring loans. This involves the input and trend analysis of financial data and monitoring loan conditions and covenants across all industries to ensure consistency and compliance with approved credit agreements. Works under moderate supervision to ensure timeliness, accuracy, and compliance in reporting requirements.

Requirements

• Bachelor’s degree in Accounting, Finance or Business Administration, or equivalent work experience.
• Two (2) to four (4) years of experience in the administration and analysis of credit.
• Basic understanding of credit analysis, administration, and policy and procedures.
• Strong analytical skills and attention to detail.
• Ability to identify and resolve exceptions and to interpret data.
• Effective verbal, written, and interpersonal communication skills.
• Ability to read and comprehend credit write-ups and loan documentation.
• Intermediate skill level in Microsoft Office applications, especially Microsoft Excel, Word.

Responsibilities

• Spreads and analyzes financial statements to determine financial performance trends; including repayment capacity, liquidity, leverage, and capitalization trends, sources and uses of cash
• Assists in the development of tools and templates for monitoring such loans
• Completes validation, review, reconciliation, and trending of tested financial covenants and borrowing base certificates, using Excel, database or other tools
• Manages review of reporting information with quick response on follow-up items
• Analyzes all pertinent financial information and supporting reports; determines the need for additional information or more thorough investigation; analyzes information statements and related material
• Reviews Credit Agreements and other loan documents to support covenant and reporting requirement monitoring and financial performance review
• Communicates with Deal Teams regarding ongoing performance trends of assigned accounts
• Reviews and understands chattel evaluations, collateral audits, and real estate appraisals
• Analyzes tax returns for determination of repayment capacity
• Develops spreadsheets and other automated tools for account financial performance monitoring, credit analysis, special projects, or presentations
• Provides assistance to Relationship Managers, Special Assets Group, and Administrators in analysis, servicing and reporting of the Association’s loans and leases
• Compiles quarterly industry updates for various industries based on input from Credit Managers, portfolio data, and industry sourced data
• Assists other Association personnel in completing projects as assigned
• Other duties as assigned

Benefits

• Incentive Program: Company-wide, goals-based rewards.
• Accrued Time Off: Earn 13 days of annual leave and 15 days of sick leave per year, plus enjoy 10-12 paid holidays annually.
• Retirement: 401(k) with up to 9% employer contribution/match.
• Health Coverage: Affordable medical, dental, and vision plans.
• Parental Leave: 8 weeks of paid parental leave.
• Life & Disability Insurance: Employer-paid coverage.
• Education & Wellness: Tuition reimbursement and up to $400 for wellness expenses.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level