Loan Portfolio and Credit Analyst

Background

Since 1987, the NC Rural Center has worked to improve the quality of life for the state’s rural people and places. We operate with the core belief that our rural communities have inherent cultural value and are vital to the overall economic health of our state. We recognize that the changing landscape of rural North Carolina brings with it significant challenges, but we also believe in the resiliency of our state’s rural people and their dedicated stewardship of the communities they call home.

The Mission

The mission of the NC Rural Center is to develop, promote, and implement sound economic strategies to improve the quality of life of rural North Carolinians. They serve the state’s 78 rural counties, with a special focus on individuals with low-to-moderate incomes and communities with limited resources.

Job Summary: 

The loan portfolio and credit analyst reports to the executive director of SSBCI/CornerSquare and is responsible for the risk assessment, risk monitoring, and credit structure recommendation for lending opportunities. 

Supervisory Responsibilities:  none

Essential Functions:

• Monitors an assigned loan portfolio, performing in-depth tracking and reporting
• Oversees risk management activities, including quarterly and annual risk-rating assessments
• Provides timely response and risk rating adjustments upon realization of deteriorating trends or knowledge of adverse financial conditions to affect timely loss mitigation solutions
• Manages reporting for the problem loan and watch list
• Manages concentration risk reporting
• Completes in depth analysis of borrower financial data and other information to recommend actions necessary to restructure debt
• Maintains a thorough working knowledge and understanding of commercial credit policies and procedures
• Maintains a thorough understanding of the content and aggregate risks within the portfolio, trends and other key statistics
• Works effectively with partners by engaging in credit related conversations and providing strategic forward-thinking solutions with management in pre-and post-closing discussions
• Provides thought leadership to management during the opportunity evaluation process.
• Leads regular asset quality meetings
• Supplements analysis with research and evaluations from a wide variety of sources to develop an assessment of client and industry risks and trends

Required Skills/Abilities: 

• Six plus years of analyzing, negotiating, and/or structuring loan transactions in a lending environment 
• Formal credit analysis training and/or experience appropriate for the job requirements 
• Direct experience with loss mitigation management 
• Loan management and CRM software exposure
• Expertise in financial computer applications and database management tools. Excel is a key toolset
• Ability to coordinate multiple competing priorities
• Highly developed communication skills including the ability to write clear and concise credit correspondence
• Strong interpersonal and decision-making skills; collegial and collaborative working style; analytical and attention to detail
• Experience in community development finance is a plus

Education and Experience:

Bachelor’s degree, ideally with a focus in business, management, or other relevant field

Substantial experience working with lending and banking policies and procedures. 

The NC Rural Center is committed to providing equal employment opportunities to all employees and applicants without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability status, or any other characteristic protected by law.