Credit Analyst/Portfolio Quality Specialist - 2256

“Concinnity” comes from an old Latin word that means,“ “skillfully put together,” and that’s exactly what we do when we match employers and employees. We determine the right technical skills for each position, initiate the initial meeting, negotiate hiring terms, and help manage and facilitate the working relationship.

The Portfolio Quality Specialist will assist the Business Banking Group and Credit Analysts in the preparation of loans for approval and documentation as well as manage the post close and ongoing collection of financial reporting requirements and monitoring of borrowers for covenant compliance. The ideal candidate will have a preferred one year of banking experience and maintain a basic understanding of commercial financial information and loan legal documentation. Due to the complexity of the transactions, attention to detail and the ability to work under tight deadlines is important.

• Assist the Credit Analysts & Business Bankers by preparing the basic CLO and PowerLender system data entry records.
• Obtain and review borrower and guarantor formation documentation (inclusive of ordering certificates of good standing) to prepare and manage loan files for submission to Executive Loan Committee.
• Monitor borrowers for financial and reporting requirements; obtain financial reports from clients.
• Work with Compliance to obtain Enhanced Due Diligence on new borrowers and guarantors.
• Prepare and manage loan files for submission to ELC, Commercial Closing, and external counsel.
• Work with the appraisers, environmental professionals and title companies to assist in the commercial real estate due diligence process.
• Assist the Senior Business Banking Analyst & Business Banker on ad hoc projects and by working with client to obtain reporting requirements, which should be forwarded to the Loan Monitoring Group and uploaded to loan systems.
• Be or become proficient in Microsoft Office (Word, Excel, and Adobe), OSI, AFS Level III, CLO, PowerLender, Smeadlink, Company Lending Reports, AFS RM Tools and Moody’s.
• Monitor loan maturity report and alert Business Banker and Credit Analyst of upcoming maturities and process short-term maturity extensions requests as needed.
• Develop the ability to eventually spread business financial statements, personal financial statements and individual tax returns.
• Local Manager may require additional duties unique to a team’s Geography, industry focus and other responsibilities which best utilize a candidate’s skill-sets.

Depending on experience:

• Performing collateral analysis including accounts receivable, inventory, real estate and investments.
• Running credit reports.
• Spreading personal financial statements and tax returns for individual guarantors.

• Bachelor Degree required.
• Minimum of 2 years in banking and lending work experience.
• Proficient in Microsoft Office (Word, Excel, and Adobe), and familiar with OSI, AFS Level III, CLO, PowerLender, Smeadlink, AFS RM Tools, BISYS, AFS Level III and Moody’s.
• Outstanding written and verbal communication skills.
• Excellent attention to detail.
• Strong process flow and prioritization skills.
• Excellent time management and organizational skills.