Corporate Banking Portfolio Analyst

Essential Job Responsibilities

• Tracks ongoing performance of loan portfolio clients.
• Affords assistance with financial statement, covenant and collateral analysis for Corporate Banking clients.
• Assesses liquidity, leverage and debt service capacity.
• In collaboration with Relationship Manager(s), manages an assigned portfolio of relationships.
• Prepares Annual reviews, Interim reviews, Covenant testing, Renewals and Modifications.
• Maintains awareness and advises the Relationship Manager and/or Credit Team in regards to alerts on critical items and awareness of key issues.
• Assists with the preparation of loan modification requests, Criticized Asset Committee reports, Watch Review reports, Semi-Annual Line Sheets and any other required reports, on an as-needed basis.
• Ensures portfolio meets internal policy and regulatory expectations.
• Affords assessment and discussion of risk ratings with the Credit Department.
• Works with Portfolio Managers and Relationship Managers to gather borrower information on a timely basis including financial statements to assess borrower risk.
• Fosters strong communication by team members, including Credit, Credit Review and Loan Documentation departments.
• Provides portfolio information on a timely basis to be included as part of credit analysis and/or performance reports.
• Develops knowledge of the procedures for compliance including a broad understanding of regulations.
• Maintains a working knowledge of bank operating policies and procedures.

Bona Fide Occupational Qualifications

• A bachelor’s degree in business, Accounting, Finance, Economics or related field.
• One (1) to three (3) years of credit analysis experience.
• Understanding of financial statement analysis.
• Ability to spread financials and prepare cash flows and credit memos.
• Strong Excel and analytical skills.
• Exceptional communication skills with ability to influence others, as well as strong computer and analytical skills are necessary.
• A valid driver’s license and travel, including some overnight stays, are required.