Corporate Banking Associate - Investment Real Estate

Responsibilities

• Works with an assigned Corporate Banking team to assure coverage of the portfolio in any aspect.
• Works with Portfolio Specialist team for direct assignment of client administrative responsibilities to include documentation, loan closing, financial statement reporting and ongoing loan management.
• May be assigned the relationship management of a portfolio of client relationships.
• Performs financial modeling and analysis of prospective clients as well as existing clients.
• Works with the Credit Analysis Department to ensure that the analysis packages are thorough and correct.
• Completes and presents Modification forms, Criticized Asset Committee Memos, Semi-Annual Line Sheets and any other necessary reports, as needed.
• Attends trainings, meetings and corporate assignments, as required, with accompanying documentation.
• Completes assigned required readings, with accompanying documentation.
• Participates in sales calls, as assigned.
• Performs tasks for the credit analysis process.
• Credits investigations and analyzes credit information pertaining to loans.
• Prepares reports to summarize analysis of borrowers’ financial condition and capacity to repay debt.
• Prepares loan request submissions for Credit Committee or other approving authorities.
• Prepares projections on income, sales, expenses and net worth of the client for a future period of two years.
• Values collateral when necessary, reviews appraisals and assesses collateral coverage.
• Recommends assigned Risk Ratings.
• Follows assigned accounts to ensure financial statements are received timely and evaluated at least quarterly to assess borrower risk.
• Assists loan officers in gathering information relevant to analyzing the borrower.
• Coordinates the daily workflow in and out of the area to ensure that current loans are in complete conformity with the terms.
• Develops and prepares reports relating to commercial loans as required.
• Assists the senior officers in handling loans and provides other customer services as may be assigned.
• Learns how to establish growth and profitability of the bank by building, developing and managing new and expanded client relationship.
• Fosters relationship with First Commonwealth clients and prospects.

Qualifications

• A bachelor’s degree is preferred.
• A minimum of two (2) years of banking experience is required.
• Prior sales experience is preferred.
• Strong interpersonal, communication, and exceptional client service skills are necessary.
• Professional drive, determination, leadership and sales skills are also a must.
• A valid driver’s license and travel are required.