Portfolio Analyst I

Metro City Bank; Doraville (GA); On-site; USD 65,000 - 95,000; Full time

Job summary

Metro City Bank is seeking a Loan Portfolio Analyst to support the Loans department. The role involves analyzing credit requests, reviewing financial statements, preparing write-ups, and assisting in credit recommendations while ensuring compliance with credit policy and BSA/AML regulations.

The position also covers international trade duties, including import/export letters of credit, documenting collections and payments, wire transfers, and standby letters of credit, contributing to the

Qualifications

• Analyse credit requests and financial statements to support loan decisions.
• Prepare credit write-ups and assist in credit recommendations.
• Ensure compliance with credit policy and BSA/AML regulations.
• Handle international trade duties and letters of credit.

Responsibilities

• Perform financial statement analysis and credit report analysis.
• Analyze collateral and property for renewal.
• Prepare credit write-ups and present to credit committee.
• Follow up on insurance and lien requirements.
• Manage international trade-related letters of credit and payments.
• Execute all letters of credit through correspondent banks.
• Monitor and report suspicious activity per BSA/AML.
• Coordinate with customers and freight forwarders on documentary requirements.
• Perform annual loan reviews and site visits.
• Ensure compliance with international banking regulations (UCP600/ URR525/ URC522/ ISP98).

Skills

Financial statement analysis

Credit analysis

Communication

Time management

Bilingual English/Korean

Education

Some College or Associates Degree in finance

2-3 Years work experience in a financial institution

Tools

Microsoft Office

Adobe

Internet

Email

Job description

Title: Loan Portfolio Analyst

Department: Loans

Reports to: Loan Closing and Portfolio Manager

Overview:

The Commercial Loan Portfolio Analyst is responsible for analyzing credit requests and data, generate credit write-ups, analyze financial statements, assist in credit recommendations, insure compliance of loans with credit policy and manage the Commercial loan portfolio. Additionally, this role will complete international trade duties, related import/export letter of credits, documentation of collections and payments, wire transfers and provide standby letter of credits.

Essential Duties:

• Perform financial statement analysis, credit report analysis and analysis of property for renewal.
• Industry research, Develop and negotiate revised loan repayment terms
• Present recommendations to the credit committee
• Prioritize multiple tasks to meet business deadlines while ensuring credit integrity of the transaction
• Collect financial statements, tax returns, personal financial statements, insurance, title work, etc. for proper maintenance of the loan portfolio
• Perform annual loan reviews and site visits
• Perform CRE stress test on a semi-annual basis
• Follow up on Insurance lapse and forced placed insurance as well as delinquent property taxes
• Effectively communicate with the customer regarding collateral swap/partial buy down
• Send non-renewal letter to matured loan borrowers
• Send demand letters to delinquent loan borrowers
• Handle Int'l trade related collections, financial arrangements, tracers and payments both import and export
• Process import letter of credits issuance, negotiations, banker's acceptance, financial arrangements and payments
• Provide Standby Letter of Credit issuance, amendment, negotiation and reimbursement.
• Manage Exp011 Letter of Credit advising, transferring, assignment, negotiation, documentation, reimbursements, financial arrangements, and payments
• Execute all Letter of Credit through our correspondent banks worldwide, as well as establishing correspondence relationships.
• Work closely with customers, and freight forwarders to determine that necessary documentary requirements can be met
• Verify and approve International & Domestic outward wire transfers, request data entry person to correct if any
• Ensure strict compliance to relevant laws, regulations, and International Practices relating to: UCP600, URR525, URC522, and ISP98.
• Perform all duties in compliance with BSA/AML regulations and requirements
• Obtains adequate data for CIP on all wire and money instrument transactions
• Monitors and reports suspicious activity to the BSA Officer

Competencies:

Communication

• Greets customers and coworkers in a friendly manner
• Uses common courtesy when speaking with customers and coworkers
• Communicates clearly and effectively in writing and speaking
• Reacts to feedback appropriately
• Able to communicate negative information positively and professionally

Compliance

• Familiar with the overall BSA/AML regulations and requirements
• Exhibits adequate knowledge of the following: CIP, Account Risk Assessment, Customer Due Diligence, CTR, OFAC, Cash purchase of monetary instruments, Originating Bank, Beneficiary Bank, TIN, NRA, HIDTA, HIFCA and SAR
• Exhibits adequate knowledge of the following concepts: placement, layering, and integration
• Familiar with the reporting requirements pertaining to currency transactions, cash purchase monetary instruments, wire transfers and opening of an account
• Exhibits adequate knowledge of regulations governing consumer laws pertaining to deposits or loans products
• Knows where and to whom any "suspicious" activity should be reported

Personal Integrity

• Demonstrates commitment to providing quality service to customers
• Makes commitments that are within the scope of the position
• Accepts responsibility for own work
• Maintains strong commitment to the bank's conduct/accuracy guidelines
• Taking responsibility for a thorough and detailed method of working.

Respect

• Values diversity, differences in experience, backgrounds, and opinions of others
• Treats all people with dignity and honesty
• Shows respect and sensitivity for cultural differences
• Respects the confidential nature of information
• Maintains composure when dealing with the unexpected

Team Work

• Promotes teamwork with flexibility and cooperation
• Works in the best interest of their team to achieve overall Bank goals
• Knows when to ask for help, solicit input from appropriate resources
• Works effectively and productively with all areas of the Bank

Customer Focus

• Knowing the (internal and external) customer business needs and acting accordingly;
• Anticipating customer needs
• Giving high priority to customer satisfaction and customer service

Job Knowledge

• Understands policies, procedures, and regulations related to their job description.
• Has the product and operational knowledge needed to do the job.
• Has the technical skills required to do the job and uses technology appropriately.
• Remains current on all Bank communication.

Personal Development

• Continues to develop knowledge of Metro City Bank products, services, and procedures
• Demonstrates commitment to continuous learning and improvement
• Remains current on all Compliance courses as assigned

Education/Additional Training or Certifications:

• Some College or Associates Degree in finance or equivalent work experience
• 2-3 Years work experience in a financial institution

Knowledge/Experience:

• Software skills including Microsoft Office, Adobe, Internet, and Email
• Ability to communicate objective views based on professional analysis
• Knowledge of economic and accounting principles and practices, banking and the analysis and reporting of financial data
• Organized and able to manage multiple projects with differing priorities to meet deadlines.
• Knowledge and understanding of financial statement analysis
• Strong time management skills and ability to meet deadlines

Language Skills

• Bilingual skills in reading, writing and speaking English/Korean, English/Chinese preferred: English/Korean

Work Environment:

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually moderate.

Physical Demands:

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

While performing the duties of this Job, the employee is regularly required to sit; use hands to finger, handle, or feel and talk or hear. The employee is occasionally required to stand; walk and reach with hands and arms. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision and color vision.

AAP/EEO Statement:

Metro City Bank is an Equal Employment Opportunity/Affirmative Action Employer with regard to Females, Minorities, Veterans and Disabled Persons

Other Duties
Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.