Credit Analyst III- FAM Specialist

Job Description

The AB (Asset-Based) Portfolio Specialist manages a portfolio of asset-based structured loans in a variety of industries. The AB Portfolio Specialist is responsible for actively monitoring financial and collateral trends and recommending appropriate action. Responsibilities also include reviewing requests for loan modifications, analyzing financial performance, negotiating terms, drafting proposals, reviewing documents, and preparing recommendations for approval.

The FAM Specialist (“Specialist”) is responsible for the timely completion of accurate financial statement spreads and risk ratings in support of underwriting new credit requests, renewals, and traditional portfolio monitoring. The Specialist will also perform annual reviews on client relationships in alignment with Business Unit policy and procedures.

• Build trust and strong relationships and proactively drive engagement with Underwriting, Credit Executive and Client team partners.
• Spread and analyze complex financial information, including Personal Financial Statements, Brokerage statements, Personal Tax Returns and Schedule K-1s, Business financials, etc. for high-net-worth clients.
• Accurately risk rate clients using regulatory definitions, good credit judgement and the Risk Rating Scorecard tool.
• Effectively and concisely communicate spreading and risk ratings outcomes with key business partners.
• Understand and leverage tools, systems, and applications used in day-to-day functions such as Excel, Outlook, GUS, Loan IQ, EDR, Risk Rating Scorecard, etc.
• Understand and accurately apply risk rating scorecard and spreading guidance.

• Experience:
  
  3–5 years in credit analysis, accounting, financial analysis, or a closely related credit risk role, including financial covenant testing and the ability to interpret and apply Commercial credit agreement terminology and concepts.
• Policies and Procedures: 2+ years of credit analysis experience with Commercial credit policies and procedures.
• Technical
  
  Skills:
  
  Proficient in interpreting various Commercial loan documents.
• Credit Analysis:
  Strong working knowledge of commercial loan structures and financial statement analysis, including personal financial statements, brokerage statements, rent rolls, and NOI statements; ability to identify and elevate early signs of credit deterioration within the Commercial credit structure.
• Operational Support:
  Exposure to GMS/Tableau reporting, documentation management, and process improvement.
• Project Coordination:
  Capable of independently running analysis on credit supported small projects and streamlining team operations.
• Systems Knowledge:
  Working proficiency with Commercial loans, collateral, client data and workflow systems along with SharePoint, and Adobe Acrobat.

• Bachelor’s degree in Accounting, Finance or equivalent experience.
• System knowledge of LIQ, PACE, GMS, GUS, EDR, Genesis, Image Trust, Navigator, SharePoint , KYC, Adobe Acrobat Standard.

• Attention to Detail
• Client Management
• Decision Making
• Underwriting
• Credit Documentation Requirements
• Critical Thinking
• Portfolio Management
• Problem Solving
• Written Communications
• Financial Analysis
• Negotiation

High School Diploma / GED / Secondary School or equivalent.

1st shift (United States of America)

40