Portfolio Analyst

BASIC FUNCTION

The Portfolio Analyst is responsible for analyzing and evaluating numerous or large and complex commercial and/or real estate loan applications; servicing commercial and/or real estate loans by frequent contact with customers; and actively pursuing new business through organized marketing and business development programs. May be responsible for management of existing designated loan portfolio; renewal operating loans and term loans.

ESSENTIAL DUTIES

• Interview loan applicants; prepare loan applications, financial statements and budgets.
• Prepare spreadsheets of financial statements, e.g., balance sheets and income statements.
• Input all required data into the loan origination and loan processing systems.
• Review all pertinent credit and financial information; determine the need for more thorough investigation or additional information; analyze information statement and related material; prepare summaries, present facts, and offer opinions concerning credit-worthiness.
• Analyzing loan applications and supporting documents. Recommend approval or denial of loans, or approve/deny loans within lending authority.
• Determine and review legal documentation.
• Verify financial statements, review credit reports, and collect relevant data.
• Communicate Association credit philosophy and stock requirements to customer.
• Communicate and promote the availability of loan products and other financially related services.
• Prepare loan servicing actions and follow-up on assigned loan portfolio.
• Interact with title companies.
• Monitor loan process.
• Provide backup to loan officers on customer service issues and respond independently to requests for information and assistance.
• Conduct collateral inspections.
• Represent the Association at public functions.
• Conducts credit training and development programs for staff.
• May serve as a member of the employee loan committee or participate in loan committee meetings.

LEVELS OF SUPERVISION EXERCISED AND RECEIVED

Exercises no supervision; makes independent decisions; works under general supervision of VP-Regional Credit Underwriting, or designee.

JOB REQUIREMENTS

• Must have the ability to perform basic office tasks and work in a typical office setting.
• Employee will be sitting for extended periods of time and accomplishing work at a desk and work at a computer for an extended period of time.
• Must have strong written and verbal communication skills to adequately convey ideas and work well with a team.
• Ability to talk and hear, sit and use their hands and fingers, and reach in all directions is essential in performance of the job.
• Some lifting and moving of items up to 25 pounds required.
• Work during established business hours and may require occasional weekend and/or evening work.

PAY RANGE

Minimum $71,138.70 - Max $123,959.18 Annual