Portfolio Analyst

Doraville - Main Office
Metro City Bank | Main Office - Headquarters
5114 Buford Highway
Doraville, GA 30340, USA

Department
:
Loans

Reports to
:
Loan Closing and Portfolio Manager

Overview:

The Commercial Loan Portfolio Analyst is responsible for analyzing credit requests and data, generate credit write-ups, analyze financial statements, assist in credit recommendations, insure compliance of loans with credit policy and manage the Commercial loan portfolio. Additionally, this role will complete international trade duties, related import/export letter of credits, documentation of collections and payments, wire transfers and provide standby letter of credits.

• Perform financial statement analysis, credit report analysis and analysis of property for renewal.
• Industry research, Develop and negotiate revised loan repayment terms
• Present recommendations to the credit committee
• Prioritize multiple tasks to meet business deadlines while ensuring credit integrity of the transaction
• Collect financial statements, tax returns, personal financial statements, insurance, title work, etc. for proper maintenance of the loan portfolio
• Perform annual loan reviews and site visits
• Perform CRE stress test on a semi-annual basis
• Follow up on Insurance lapse and forced placed insurance as well as delinquent property taxes
• Effectively communicate with the customer regarding collateral swap/partial buy down
• Send non-renewal letter to matured loan borrowers
• Send demand letters to delinquent loan borrowers
• Handle Int'l trade related collections, financial arrangements, tracers and payments both import and export
• Process import letter of credits issuance, negotiations, banker's acceptance, financial arrangements and payments
• Provide Standby Letter of Credit issuance, amendment, negotiation and reimbursement.
• Manage Exp
  011 Letter of Credit advising, transferring, assignment, negotiation, documentation, reimbursements, financial arrangements, and payments
• Execute all Letter of Credit through our correspondent banks worldwide, as well as establishing correspondence relationships.
• Work closely with customers, and freight forwarders to determine that necessary documentary requirements can be met
• Verify and approve International & Domestic outward wire transfers, request data entry person to correct if any
• Ensure strict compliance to relevant laws, regulations, and International Practices relating to: UCP
  600, URR
  525, URC
  522, and ISP
  98.
• Perform all duties in compliance with BSA/AML regulations and requirements
• Obtains adequate data for CIP on all wire and money instrument transactions
• Monitors and reports suspicious activity to the BSA Officer

Communication

• Greets customers and coworkers in a friendly manner
• Uses common courtesy when speaking with customers and coworkers
• Communicates clearly and effectively in writing and speaking
• Reacts to feedback appropriately
• Able to communicate negative information positively and professionally

Compliance

• Familiar with the overall BSA/AML regulations and requirements
• Exhibits adequate knowledge of the following: CIP, Account Risk Assessment, Customer Due Diligence, CTR, OFAC, Cash purchase of monetary instruments, Originating Bank, Beneficiary Bank, TIN, NRA, HIDTA, HIFCA and SAR
• Exhibits adequate knowledge of the following concepts: placement, layering, and integration
• Familiar with the reporting requirements pertaining to currency transactions, cash purchase monetary instruments, wire transfers and opening of an account
• Exhibits adequate knowledge of regulations governing consumer laws pertaining to deposits or loans products
• Knows where and to whom any "suspicious" activity should be reported

Personal Integrity

• Demonstrates commitment to providing quality service to customers
• Makes commitments that are within the scope of the position
• Accepts responsibility for own work
• Maintains strong commitment to the bank's conduct/accuracy guidelines
• Taking responsibility for a thorough and detailed method of working.

Respect

• Values diversity, differences in experience, backgrounds, and opinions of others
• Treats all people with dignity and honesty
• Shows respect and sensitivity for cultural differences
• Respects the confidential nature of information
• Maintains composure when dealing with the unexpected

Team Work

• Promotes teamwork with flexibility and cooperation
• Works in the best interest of their team to achieve overall Bank goals
• Knows when to ask for help, solicit input from appropriate resources
• Works effectively and productively with all areas of the Bank

Customer…