Credit Portfolio Analyst, Birmingham

Essential duties and responsibilities include the following:

• Assist with monthly reporting in relation to commercial loan portfolio concentrations, top exposure relationships, watchlist credits, Directors Loan Committee minutes, etc.
• Assist with the implementation of new policies and procedures in relation to the Credit Department/Commercial Lending Department as a whole
• Assist with the creation and management of reporting loan policy exceptions
• Prepare credit memorandums for certain servicing actions to maintain accurate loan files
• Monitor & ensure all existing coding is accurate with the existing commercial loan portfolio
• Additional point-of-contact on new credits from initial application to the closing and booking of loans between Loan Operations and the Credit Department to ensure accuracy regarding portfolio-specific items (coding, total credit exposure calculations, guaranty %, etc.)
• Perform loan monitoring over life-of-loan for larger relationships including annual reviews, covenant testing, & file maintenance
• Occasionally assist underwriting credits primarily for existing portfolio renewals
• Additional point-of-contact for data collection from borrowers/lenders
• Assist with ensuring all loan files are up to date for all internal and external loan reviews
• Other duties may be assigned.

Complex or diverse information;
Collects and researches data;
Uses intuition and experience to complement data.

Identifies and resolves problems in a timely manner;
Gathers and analyzes information skillfully;
Develops alternative solutions;
Works well in group problem solving situations;
Uses reason even when dealing with emotional topics.

Develops project plans;
Coordinates projects;
Communicates changes and progress;
Completes projects on time and budget.

Looks for ways to improve and promote quality;
Demonstrates accuracy and thoroughness.

Understands business implications of decisions;
Displays orientation to profitability;
Demonstrates knowledge of market and competition;
Aligns work with strategic goals.

Develops strategies to achieve organizational goals;
Understands organization's strengths & weaknesses;
Analyzes market and competition;
Adapts strategy to changing conditions.

Adapts to changes in the work environment;
Manages competing demands;
Changes approach or method to best fit the situation.

Meets productivity standards;
Completes work in timely manner.

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

Bachelor’s degree or equivalent combination of education and experience required. Three to five years of experience in credit analysis and loan underwriting in a financial institution or equivalent experience in loan review, auditing, or financial analysis required.

Knowledge of Microsoft office products including Word and Excel.

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision.

While performing the duties of this job, the employee is occasionally required to stand; walk; sit; use hands; and talk or hear.