Senior Portfolio Analyst-Corporate

BASIC FUNCTION

Responsible for the management of a designated loan portfolio typically consisting of large, complex commercial and mortgage loans, including loans participated/syndicated with other Farm Credit Associations or Commercial Banks.

ESSENTIAL DUTIES

• Affords assistance to the Relationship Manager in the gathering of information necessary to make appropriate credit decisions.
• Able to call the customer directly for follow up questions on the application package submitted and lead additional conversations as needed.
• Develops credit packages and loan servicing actions.
• Reviews and analyzes credit information presented; determines the need for more thorough investigation or additional information.
• Requests appraisal/field reports, obtains third party verifications, obtains credit reports, and requests lien searches as necessary.
• Completes loan analysis, including financial statements, cash flows, loan analysis forms, trend sheets, writing narratives, and offering opinions concerning credit worthiness, risks and mitigants, and other forms as required.
• Formulates projections using historical financial data, current budgets and other information.
• Exhibits a strong understanding of sound credit administration practices with the ability to differentially analyze complex requests and accurately identify risks and inconsistencies.
• Inputs all required financial information and data into the financial analysis, loan origination and other loan processing systems.
• Makes approval recommendations on loan actions based on the Association’s Loan Underwriting Standards while complying with regulatory requirements.
• Able to independently make approval recommendations on complex credits with limited oversight from organizational management.
• Participates in loan committee meetings as may be required.
• Analysts in this role are required to support and articulate their credit decision.
• Prepares information for Participation/Syndication partners as needed and participates in lender meetings as may be required.
• Demonstrated analytical and statistical skills to effectively evaluate loan requests and make the appropriate independent opinion of credit worthiness of the applicant, aligned with the credit philosophy and risk appetite of the organization.
• Maintains monitoring of assigned portfolio to determine potential servicing needs of the customer and to ensure customers stay in compliance with the terms and conditions of their loan(s).
• Determines and reviews legal documentation.
• Coordinates with all credit and approval departments as well as with attorney’s and title companies on loan closings, as needed.
• Contributes to process improvement initiatives as assigned.
• Represents the underwriting team in cross-functional projects and strategic planning efforts as assigned.

LEVELS OF SUPERVISION EXERCISED AND RECEIVED

Generally exercises no supervision but may serve as a mentor; makes independent decisions; works under general supervision of Director of Underwriting, or designee.