OverviewA Commercial RE Portfolio Specialist provides credit administration and underwriting support while serving as the secondary contact on all managed relationships. The Portfolio Specialist is responsible for a wide range of duties including, but not limited to the following:
What You'll Do- Work with corporate banking RMs to manage all aspects of the loan portfolio including annual reviews, past dues, borrowing base monitoring, covenant compliance, CARs, collateral exceptions, and other portfolio management activities
- Actively participate and assist in all aspects of the loan process including joint calling, underwriting and preparation of credit approval packages
- Serve as secondary contact on client relationships
- Review loan documents
- Must be able to spread, analyze, and interpret businesses and financial statements
- Must be able to identify strengths and weaknesses of individual requests and make recommendations to address and mitigate perceived risks
- Must prepare and be able to present credit analysis packages through the credit approval chain with limited supervision
- Will make calls on companies, sponsors and investment bankers with senior bankers
- Serves as the initial deal screen to determine loan viability -
- Research company and industry
- Prepare credit analysis packages
- Make preliminary recommendations
- Interact with senior executives in senior credit committee
- Communicate with corporate borrowers to obtain pertinent information for rendering recommendations
- Address compliance issues with management and customers; evaluate and recommend changes to covenants, pricing, credit agreement terms, etc.
- Other duties as assigned
Requirements For Success- 4-year business degree with concentration in finance and/or accounting preferred
- 5-7 years of work experience in credit analysis and underwriting preferred
- Experience as a lender/relationship manager preferred
- Must possess a proficient knowledge of credit policy and loan documentation issues
- Must possess a knowledge of various loan structures and have the ability to apply this knowledge in the formulation of sound credit recommendations
- Must have excellent verbal and written communication skills
- Must be able to write clearly, concisely and efficiently
- Must understand and work effectively within the credit culture of the company
- Must allocate time effectively and prioritize work to meet timelines
- Must have experience spreading financial statements utilizing Moody's or Baker Hill
- Participate in all required compliance training, including Bank Secrecy Act/anti-money laundering training, as well as internal and external training programs, online training, meetings, and seminars/conferences, etc.
Conditions of EmploymentMust be able to pass a criminal background & credit check.
FLSA StatusExempt
SUPERVISORY RESPONSIBILITYThis position does not have direct reports
WORK ENVIRONMENTLocation in UCB Footprint
POSITION TYPEThis is a full-time position that requires schedule flexibility to work evenings and weekends as needed.
TRAVELThis position requires less than 5% travel.
Pay RangeUSD $115,000.00 - USD $130,333.00 /Yr.
