MFD Loan Analyst

About the Role:

The MFD Portfolio Analyst (PA) is responsible for interfacing with multifamily clients and internal bank departments as the primary point of contact. The PA troubleshoots issues that surface and works to resolve as appropriate to ensure a good client facing experience while protecting the Bank’s interests. The PA also seeks out referral opportunities to deepen client relationships with the Bank.

Manages and monitors a large multi-family loan portfolio by analyzing financial data to determine the merits of specific client requests and make formal recommendations and presentations to ISF Manager.

Responsible for collecting property data, title reports, rent rolls, operating statements, financial statements and entity documents. Proactively analyzes financial statements by identifying trends, weaknesses, industry comparisons as part of loan review functions.

Prepares pre-flight’s on assumption and new business requests, consistent with the Bank’s guidelines, regulations, and business needs.

Monitors loan repayment activities and financial condition of borrowers and takes necessary action to collect past due accounts and confirm ongoing repayment ability of all other accounts.

Works closely with the Central Portfolio Servicing Team in collecting (not limited to): financial statements, tax returns, personal financial statements, insurance, title work, etc. to ensure proper maintenance of the business financial files within the multifamily loan portfolio.

Works closely with the Loan Servicing Support Team to ensure resolution of any errors or changes that arise in the multifamily portfolio and works with LSS to monitor and address any loan upgrades and downgrades that surface.

Coordinates with Clients to ensure ACH, monthly statements, and main customer data is kept updated and accurate. Escalates and resolves errors as needed to ensure seamless Client experience, and consistent portfolio performance.

Notify and coordinate with Clients on upcoming rate adjustments as part of ongoing effort to deliver excellent client service and as an opportunity to source new business and deepen existing relationships. ISF Portfolio Analyst will actively listen and probe for client needs and refer deposit and loan opportunities to appropriate divisions within the Bank.

Demonstrates compliance with all bank regulations for assigned job function as it applies to designated job responsibilities – knowledge may be gained through coursework and on-the-job training. Keeps up to date on regulatory changes.

Follows all Bank policies and procedures, compliance regulations, and completes all required annual or job-specific training.

Maintains a working knowledge of Bank's written policies and procedures regarding Bank Secrecy Act, Regulation CC, Regulation E, Regulation B, Bank Security and other regulations as applicable to this job description.

May be asked to coach, mentor, or train others and teach coursework as subject matter expert.

Actively learns, demonstrates, and fosters the Columbia corporate culture in all actions and words.

Takes personal initiative and is a positive example for others to emulate.

Embraces our vision to become “Business Bank of Choice”.May perform other duties as assigned.

About You:

Education

Experience2-4 years — of related portfolio management experience. (Required)
Skills Intermediate knowledge and understanding of income producing real estate and applicable real estate laws, notes, and deeds of trust.

Proficient with analysis of financial statements, operating statements, leases, rent rolls, and tax returns.

Proficient in math and techniques involved in analysis of income property financial data.

Intermediate knowledge of loan underwriting criteria for multifamily real estate…