Senior Portfolio Analyst, Renewable Energy - Solar

Live Oak Banking•Wilmington, NC

7d•$82,240 - $133,640

About The Position

The Senior Portfolio Analyst- Renewable Energy - Solar, nurtures client and internal relationships while managing the credit risk and loan quality of assigned accounts. A PA serves as an integral part of the bank’s credit risk management and is responsible for collecting and analyzing financial data, completing financial spread analysis, testing financial covenants, and completing loan reviews, advances, renewals, modifications, and amendments. Additionally, a PA must anticipate customer needs, assess non-financial discrepancies, and facilitate appropriate regular interactions between executive management and asset managers of clients and the bank. Finally, a PA is expected to gain a comprehensive understanding of their clients’ business to deliver meaningful feedback and effectuate new revenue opportunities within the portfolio.

Requirements

Bachelor’s degree in a related field or equivalent work experience of 10 or more years in a bank
Demonstrated experience in effectively writing/reviewing loan presentations that identify key risks and mitigants as well as conducting cash flow analysis and collateral evaluation
Strong customer service orientation with attention to detail
Strong credit and risk management skills with working knowledge of lending policies and procedures
Working knowledge of loan agreements, loan structuring, and collateral procedures
Ability to consistently make timely sound recommendations to management while ensuring bank policies and procedures are met
Uphold core values and build team member and customer relationships

Nice To Haves

Commercial lending department experience
Excellent verbal, written, interpersonal, and negotiation skills
Demonstrated experience utilizing credit software to capture credit applications; above-average PC skills including MS Office Applications (Word, Excel), and the ability to quickly learn new software/systems
Collaborative and highly coachable
Dependable and exhibit a strong work ethic

Responsibilities

Serve as a point of contact for a specified book of clients and as a liaison to internal teams such as loan officers, relationship managers, underwriting, credit, capital markets, closing, operations, and others
Collect and analyze financial information from assigned accounts throughout the life of the relationship
Responsible for reviewing and spreading financial statements
Manage collateral monitoring including asset-based facilities with borrowing bases
Ensure clients remain compliant with all conditions set forth in the loan documentation
Use financial models to develop a forward-looking credit risk assessment based on key value drivers and sensitized assumptions
Assist with distilling portfolio insights into actionable underwriting guidance and assist with hoc analysis to assist with originations
Individually or as part of the relationship management team. conduct on-boarding of new clients; may lead meetings and discussions with key stakeholders including client executives, equity sponsors, partner lending institutions, developers, and internal team members
Manage operational complexity and inquiries from both external and internal stakeholders
Identify and underwrite loan modifications/amendments/renewals accurately and timely in accordance with bank procedures and policy
Engage Portfolio Manager, relationship managers, loan officers, and credit team to guide underperforming client accounts
Identify underperformance and proactively identify root causes that may result in defaults under the loan documents
Work with internal partners to determine and carry out the appropriate response to underperformance to protect the bank’s interests
Help prepare and participate in quarterly credit meetings
Facilitate loan advance requests by working with the client as well as bank legal, credit, and operations departments
Underwrite and close advance requests under Delayed Draw Term Loan facilities
Responsible for monitoring and processing Revolver advances in a timely manner and pursuant to loan documents
Prepare and review annual loan reviews that align with bank and government-guaranteed lending partners as required
Identify and pursue expanded banking opportunities with clients such as gaining deposit shares or private wealth referrals
As needed, underwrite new lending opportunities for existing clients
Stays on top of trends impacting assigned industry verticals and participates in research projects as they arise
Complete various projects as needed or as assigned by management
Coach and mentor less experienced team members
Build out processes and procedures and develop training materials as assigned
Conduct periodic client visits to obtain enhanced knowledge of clients
Monitor and ensure that client credit files remain up to date; this will include creating client credit files, setting up reporting and covenant dashboards, and assisting with various reporting requirements
Prepare and deliver presentations in various department meetings on specific loans recommending appropriate action or structure of credits
Facilitate third-party engagements including valuations, appraisals, and field exams
Exhibit a sense of pride in helping clients and teammates achieve their respective goals
Exercise sound judgment; When needed, ask for help or guidance
Communicate effectively to set and meet realistic expectations
Complete additional tasks as needed by the specific lending team the PA supports
Maintain a high standard of regulatory awareness including BSA, AML, CIP, and OFAC