This job is closed
Applications are no longer available for this announcement. Explore current related opportunities below.
Job description
Overview
A Commercial RE Portfolio Specialist provides credit administration and underwriting support while serving as the secondary contact on all managed relationships. The Portfolio Specialist is responsible for a wide range of duties including, but not limited to the following:
What You'll Do
Work with corporate banking RMs to manage all aspects of the loan portfolio including annual reviews, past dues, borrowing base monitoring, covenant compliance, CARs, collateral exceptions, and other portfolio management activities
Actively participate and assist in all aspects of the loan process including joint calling, underwriting and preparation of credit approval packages
Serve as secondary contact on client relationships
Review loan documents
Must be able to spread, analyze, and interpret businesses and financial statements
Must be able to identify strengths and weaknesses of individual requests and make recommendations to address and mitigate perceived risks
Must prepare and be able to present credit analysis packages through the credit approval chain with limited supervision
Will make calls on companies, sponsors and investment bankers with senior bankers
Serves as the initial deal screen to determine loan viability - Research company and industry
Prepare credit analysis packages
Make preliminary recommendations
Interact with senior executives in senior credit committee
Communicate with corporate borrowers to obtain pertinent information for rendering recommendations
Address compliance issues with management and customers; evaluate and recommend changes to covenants, pricing, credit agreement terms, etc.
Other duties as assigned
Requirements For Success 4-year business degree with concentration in finance and/or accounting preferred
5-7 years of work experience in credit analysis and underwriting preferred
Experience as a lender/relationship manager preferred
Must possess a proficient knowledge of credit policy and loan documentation issues
Must possess a knowledge of various loan structures and have the ability to apply this knowledge in the formulation of sound credit recommendations
Must have excellent verbal and written communication skills
Must be able to write clearly, concisely and efficiently
Must understand and work effectively within the credit culture of the company
Must allocate time effectively and prioritize work to meet timelines
Must have experience spreading financial statements utilizing Moody's or Baker Hill
Participate in all required compliance training, including Bank Secrecy Act/anti-money laundering training, as well as internal and external training programs, online training, meetings, and seminars/conferences, etc.
Conditions of Employment
Must be able to pass a criminal background & credit check.
FLSA Status
Exempt
SUPERVISORY RESPONSIBILITY
This position does not have direct reports
WORK ENVIRONMENT
Location in UCB Footprint
POSITION TYPE
This is a full-time position that requires schedule flexibility to work evenings and weekends as needed.
TRAVEL
This position requires less than 5% travel.
OTHER
We are an Equal Opportunity Employer and do not discriminate against any employee or applicant for employment because of race, color, sex, age, national origin, religion, sexual orientation, gender identity and/or expression, status as a veteran, and basis of disability or any other federal, state or local protected class.
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Pay Range
USD $60,466.00 - USD $93,119.00 /Yr.
Worksite address
birmingham, AL, 35275, US
Who can apply
Review the original listing for work authorization, qualifications and employer requirements.