Credit Portfolio Analyst, Birmingham
Southpointbanking, Grandview, Missouri, United States, 64030
Essential duties and responsibilities include the following:
Assist with monthly reporting in relation to commercial loan portfolio concentrations, top exposure relationships, watchlist credits, Directors Loan Committee minutes, etc.
Assist with the implementation of new policies and procedures in relation to the Credit Department/Commercial Lending Department as a whole
Assist with the creation and management of reporting loan policy exceptions
Prepare credit memorandums for certain servicing actions to maintain accurate loan files
Monitor & ensure all existing coding is accurate with the existing commercial loan portfolio
Additional point-of-contact on new credits from initial application to the closing and booking of loans between Loan Operations and the Credit Department to ensure accuracy regarding portfolio-specific items (coding, total credit exposure calculations, guaranty %, etc.)
Perform loan monitoring over life-of-loan for larger relationships including annual reviews, covenant testing, & file maintenance
Occasionally assist underwriting credits primarily for existing portfolio renewals
Additional point-of-contact for data collection from borrowers/lenders
Assist with ensuring all loan files are up to date for all internal and external loan reviews
Other duties may be assigned.
Competency Analytical Synthesizes Complex or diverse information; Collects and researches data; Uses intuition and experience to complement data.
Problem Solving Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully; Develops alternative solutions; Works well in group problem solving situations; Uses reason even when dealing with emotional topics.
Project Management Develops project plans; Coordinates projects; Communicates changes and progress; Completes projects on time and budget.
Quality Management Looks for ways to improve and promote quality; Demonstrates accuracy and thoroughness.
Business Acumen Understands business implications of decisions; Displays orientation to profitability; Demonstrates knowledge of market and competition; Aligns work with strategic goals.
Strategic Thinking Develops strategies to achieve organizational goals; Understands organization's strengths & weaknesses; Analyzes market and competition; Adapts strategy to changing conditions.
Adaptability Adapts to changes in the work environment; Manages competing demands; Changes approach or method to best fit the situation.
Quantity Meets productivity standards; Completes work in timely manner.
Qualifications To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.
Education/Experience Bachelor’s degree or equivalent combination of education and experience required. Three to five years of experience in credit analysis and loan underwriting in a financial institution or equivalent experience in loan review, auditing, or financial analysis required.
Computer Skills Knowledge of Microsoft office products including Word and Excel.
Physical Demand The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision. While performing the duties of this job, the employee is occasionally required to stand; walk; sit; use hands; and talk or hear.
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Assist with monthly reporting in relation to commercial loan portfolio concentrations, top exposure relationships, watchlist credits, Directors Loan Committee minutes, etc.
Assist with the implementation of new policies and procedures in relation to the Credit Department/Commercial Lending Department as a whole
Assist with the creation and management of reporting loan policy exceptions
Prepare credit memorandums for certain servicing actions to maintain accurate loan files
Monitor & ensure all existing coding is accurate with the existing commercial loan portfolio
Additional point-of-contact on new credits from initial application to the closing and booking of loans between Loan Operations and the Credit Department to ensure accuracy regarding portfolio-specific items (coding, total credit exposure calculations, guaranty %, etc.)
Perform loan monitoring over life-of-loan for larger relationships including annual reviews, covenant testing, & file maintenance
Occasionally assist underwriting credits primarily for existing portfolio renewals
Additional point-of-contact for data collection from borrowers/lenders
Assist with ensuring all loan files are up to date for all internal and external loan reviews
Other duties may be assigned.
Competency Analytical Synthesizes Complex or diverse information; Collects and researches data; Uses intuition and experience to complement data.
Problem Solving Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully; Develops alternative solutions; Works well in group problem solving situations; Uses reason even when dealing with emotional topics.
Project Management Develops project plans; Coordinates projects; Communicates changes and progress; Completes projects on time and budget.
Quality Management Looks for ways to improve and promote quality; Demonstrates accuracy and thoroughness.
Business Acumen Understands business implications of decisions; Displays orientation to profitability; Demonstrates knowledge of market and competition; Aligns work with strategic goals.
Strategic Thinking Develops strategies to achieve organizational goals; Understands organization's strengths & weaknesses; Analyzes market and competition; Adapts strategy to changing conditions.
Adaptability Adapts to changes in the work environment; Manages competing demands; Changes approach or method to best fit the situation.
Quantity Meets productivity standards; Completes work in timely manner.
Qualifications To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.
Education/Experience Bachelor’s degree or equivalent combination of education and experience required. Three to five years of experience in credit analysis and loan underwriting in a financial institution or equivalent experience in loan review, auditing, or financial analysis required.
Computer Skills Knowledge of Microsoft office products including Word and Excel.
Physical Demand The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision. While performing the duties of this job, the employee is occasionally required to stand; walk; sit; use hands; and talk or hear.
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