Reference #: 3685762
Description
The Portfolio Monitoring Analyst serves as a vital link between credit administration and relationship management, ensuring the timely review and accurate analysis of commercial loan performance. Through detailed covenant testing, financial spreading, and proactive communication, the analyst helps safeguard portfolio quality and identify emerging risks. This position demands a high level of analytical ability, accountability, and collaboration to support sound credit decisions and maintain portfolio integrity
Below is a list of essential functions of this position. Additional responsibilities may be assigned in the position.
KEY RESPONSIBILITIES
Assess ongoing credit risk in the bank's commercial loan portfolio through the timely review of assigned loans.
Test all financial covenants required for assigned loans in the commercial portfolio and determine compliance based on parameters set forth in the executed loan documents.
Upon receipt of required financial statements from the customer, update spreads within the bank's loan origination system.
Identify any deviations from agreed upon performance metrics and raise credit concerns to all related business partners.
Collaborate with business partners to ensure appropriate usage of performance covenants and accurate documentation of calculation verbiage.
ATTITUDES
Builds positive relationships with internal and external clients by valuing other's feelings and rights in both words and actions, and embracing other's unique beliefs, backgrounds, and perspectives by demonstrating:
Respect - Maintain a high regard for the qualities, skills and positive attributes of colleagues, cultivating an environment where everyone feels valued, heard and empowered to contribute their best.
Client Focus - Proactively seek to understand and prioritize meeting the needs of our internal clients (. Play a key role in supporting our internal clients in achieving their goals and contribute to the overall success of the organization.
Inclusion - Actively work to create an environment where everyone feels valued, respected and has a strong sense of belonging. Leverage each team member's unique viewpoints and skills.
BEHAVIORS
Demonstrates strong business ethics and honest behaviors and the ability to positively influence and work with others to achieve excellent results by demonstrating:
Leadership - Demonstrates confidence and vision while guiding, motivating, and empowering others to achieve shared goals in a supportive and results-driven environment.
Integrity - Consistently act in a way that is honest, ethical, and responsible, building trust and fostering a positive work environment.
Collaboration - Exhibit a team-oriented mindset, contributing to a culture of collaboration and open, effective communication. Actively engage with cross-functional teams, working towards building strong, productive working relationships.
Volunteerism- Seek opportunities to support local initiatives and make a positive impact in local communities.
COMPETENCIES
Reflects skill, good judgement, positive conduct, and personal responsibility for assigned areas. Seeks to implement and leverage services and technologies that create efficiencies by demonstrating:
Accountability - Take ownership of responsibilities, follow through on commitments, and deliver work on time. Address challenges proactively and use setbacks as opportunities to learn and improve.
Innovation- Demonstrates creativity and forward thinking by identifying opportunities for improvement and implementing effective solutions that enhance processes and results.
Professionalism - Contribute positively to the team and the organization's overall success, building a reputation for trust, excellence and reliability.
POSITION LEVEL(S) EXPECTATIONS (if applicable)
Portfolio Monitoring Analyst I
Exhibit a basic understanding of all @types of business and personal financial information and, after appropriate training, be able to spread financial data in the bank's loan origination system with minimal assistance.
Ability to locate required covenant calculation language in all executed loan documents and perform basic financial covenant calculations as defined in the bank's Standard Covenant Calculation Verbiage document.
Complete Covenant Testing Forms for all assigned customers on a timely basis with minimal assistance.
Identify discrepancies between loan approvals, executed loan documents and the bank's internal covenant tracking system and bring to the attention of the department manager as appropriate.
Ability to calculate proposed risk ratings utilizing the bank's internal matrix as updated financial information is received and spread.
Portfolio Monitoring Analyst II
Consistently execute accurate performance covenant calculations for inclusion on the Covenant Testing Forms along with clear and concise commentary supporting the covenant compliance determination and providing next-step recommendations as appropriate.
Proactively collaborate with business partners to resolve any noted errors relating to covenant verbiage contained in executed loan agreements or tracking within the loan origination system.
Independently work towards achieving department and organization goals, seeking information, and collaborating, as necessary.
Maintain high standards in regard to commercial loan portfolio data quality and consistency; ensure that all commercial loan portfolio monitoring efforts are documented properly and accurately.
Assist with data gathering and review for various portfolio monitoring reporting and projects as assigned.
Portfolio Monitoring Analyst III
Assist department manager with training needs by way of mentoring and developing junior team members and acting as a trusted advisor to business partners regarding covenant usage, verbiage, calculation, and tracking.
Review all commercial customer and related loan information independently and objectively, providing feedback and recommendations to appropriate business partners.
Provide department leadership with suggestions on process improvements and innovative solutions to enhance efficiency and continuous improvements in all areas of commercial loan portfolio monitoring.
Independently review and complete complex loan covenant calculations, with a primary focus on customers with aggregate credit exposure in excess of $5MM; complete manual loan-level stress testing as requested.
Prioritize and execute multiple assignments; identify obstacles within the scope of assignments; proactively communicate delays in deliverable or additional capacity availability.
SEEKS PROFESSIONAL DEVELOPMENT OPPORTUNITIES
Takes initiative in pursuing professional growth by leveraging the bank's internal and external resources to enhance job-specific skills in credit analysis and commercial lending. Actively engage in opportunities to develop broader competencies, including communication, leadership, and technical skills, contributing to personal growth, career advancement and overall success of the department and organization.
Requirements
QUALIFICATIONS, EDUCATION, & EXPERIENCE
To perform this position successfully, an individual must be able to perform each essential position requirement satisfactorily and a skills inventory is listed below Bachelor's degree from a four-year college or university in the area of business, accounting, finance or other related field and 2 or more years of commercial credit analysis or commercial lending experience preferred. A background screening will be condu
