Commercial Portfolio Analyst

Description

Please note:
This is an in-office position located in Springfield, Illinois

At INB, your career is more than a job; it’s a chance to make a difference. As a locally owned, community-focused bank, we help individuals and businesses reach their financial goals through personalized service and trusted relationships. Our team is built on care, creativity, teamwork, balance, smart work, and enthusiasm. Join us and be part of a purpose-driven culture that makes a positive impact every day.

The Commercial Portfolio Analyst plays a key role in supporting the growth, monitoring, and performance of INB’s Commercial Loan Portfolio. This position is responsible for ensuring compliance with loan covenants, maintaining accurate portfolio data, and contributing meaningful analysis of the bank’s C&I and CRE portfolios. The role requires strong problem-solving abilities, solid data analysis skills, and a commitment to continuous process improvement.

This position provides a unique opportunity to develop broad and deep knowledge of commercial lending operations while contributing to INB’s strategic objectives.

Requirements

• Monitor and track loan covenants, borrowing base reports, and loan exceptions.
• Prepare monthly and quarterly loan reports for management, ensuring accuracy and clarity.
• Track quarterly loan fees and identify variances or discrepancies.
• Maintain data integrity across all portfolio reports and systems.
• Complete construction progress reporting with attention to detail and follow-up.
• Monitor automotive floorplan activity and identify potential risks or anomalies.
• Analyze portfolio data to identify trends, risk indicators, and opportunities for improvement.
• Assist in developing and refining processes to enhance workflow efficiency and reporting quality.

This job has no supervisory responsibilities.

• Problem Solving - 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.
• Project Management - Develops project plans;
  Coordinates projects;
  Communicates changes and progress;
  Completes projects on time and budget;
  Manages project team activities.
• Technical Skills - Applies own strengths and weaknesses;
  Pursues training and development opportunities;
  Builds knowledge and skills;
  Shares expertise with others.
• Customer Service - Manages difficult or emotional customer situations;
  Responds promptly to customer needs;
  Solicits feedback;
  Meets commitments.
• Interpersonal Skills - Solves conflict;
  Maintains confidentiality;
  Listens without interrupting;
  Keeps emotions under control;
  Open to new ideas.
• Oral Communication - Speaks clearly and persuasively; listens; responds to questions;
  Demonstrates group presentation skills;
  Participates in meetings.
• Written Communication - Writes clearly and informatively; edits for spelling and grammar; varies style; presents numeric data; interprets written info.

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 accommodations may be made to enable individuals with disabilities to perform the essential functions.

Bachelor’s degree in business, Accounting, or Finance, or equivalent professional experience in the banking or financial industry required.

Ability to read and comprehend simple instructions, short correspondence, and memos. Ability to write simple correspondence. Ability to effectively present information in one-on-one and small group situations to customers, clients, and other employees of the organization.

Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals. Ability to compute rate, ratio, and percent, and to draw and interpret bar graphs.

Ability to apply common sense understanding to carry out…