Credit Portfolio Analyst Iii

TowneBank has a culture that:

• Has a commitment to exquisite service for our members that will lead to our ability to create a reasonable rate of return for our shareholders, a bright future for our dedicated bankers, and a leadership role for our bank in promoting the social, cultural, and economic well-being of our community.
• Embraces our hometown banking values, where our family members, directors and employees are active volunteers, serving on numerous boards and donating their time and talents to local organizations.

Job Summary:

The Credit Portfolio Analyst is responsible for the comprehensive analysis of credit information resulting in recommendations to assure the quality of additions to a loan portfolio.  There are several areas of specialty within the position that will be assigned based on experience, demand and capacity.  These include personal and business financial statement spreading analysis, credit approval documentation, interim and annual loan review documentation, real estate underwriting, commercial & industrial (C&I) underwriting, and private banking underwriting.

As a Credit Portfolio Analyst, you may look forward to:

• Working with the lenders to assist in the analysis and documentation of the financial statements of principals and their related entities.
• Spreading and analyzing financial information and interpret the financial condition of commercial customers and guarantors.
• Identifying and communicating risk factors that could impact the bank’s ability to be repaid.
• Underwriting guarantor cash flows and contingent liability analysis.
• Pulling and evaluating guarantor Credit Bureau Reports.
• Completing Global Cash Flows.
• Assisting in the completion of Credit Approval Report packages.
• Completing various aspects of the formal Credit Approval Report (CAR), including summary of loan terms, exposure levels, exceptions to policy, risk grade model, credit underwriting analysis with supporting documents, and other attachments as needed.
• Preparing annual and interim credit memos.
• Preparing industry analysis.
• Assisting in credit-related issues. Monitoring and managing financial statement and documentation exceptions to acceptable levels.
• Attending member and prospect business development/relationship calls as requested by the lender.
• Reviewing Loan Maturity Report to determine timing and scope of work projects.
• Completing preliminary file review to determine financial requirements and other items to be obtained from members prior to credit approval process.
• Working closely with the lender to determine appropriate proposed Outline of Loan Terms.
• Updating Collateral Charts, Borrowing Base Spreads, and Covenant Tests as needed.
• Updating relationship loan histories and determine appropriate exposure levels.
• For real estate loans, completing on-site property inspections and updated documentation as required by Loan Policy.
• Maintaining database of real estate values, rental rates, expenses, cap rates, etc.
• Obeys all applicable federal laws, rules, and regulations relating to Anti-Money Laundering (AML) including the Bank Secrecy Act (BSA).

You are a person that (required skills):

• Is proficient in Microsoft Office (Word, Power Point, Excel, Outlook)
• Has the ability to work independently and prioritize work with minimal assistance.
• Has advanced understanding of balance sheet, income statement and cash flow statements and can underwrite both complex C&I and CRE loans
• Has a high degree of attention to detail in order to ensure completeness and accuracy of the analysis.
• Has adaptability to continuous learning.
• Has a Bachelor’s degree with accounting or finance background.
• Has a minimum of 8 years of credit analysis/underwriting experience.

Physically you can anticipate to:

• Express or exchange ideas by means of the spoken word via email and verbally
• Exert up to 10 pounds of force occasionally, use your arms and legs, and sit most of the time
• Have close visual acuity to perform activities such as analyzing data, viewing a computer terminal, reading, and preparing documentation
• Not substantially exposed to adverse environmental conditions
• The physical demands described here are representative of those that must be met by an employee to successfully perform the essential responsibilities of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential responsibilities.