What are the responsibilities and job description for the Credit Analyst III - Portfolio Risk Management position at United Business Bank?
Description
Join a winning team at United Business Bank and enjoy a friendly and collaborative work environment where opportunities for advancement are encouraged and supported. We pride ourselves on the team that we have in place, and we proudly state that our success is due largely to our team and their commitment to our client base. Thank you for considering United Business Bank as your next step in your career path, we look forward to hearing from you.
About United Business Bank
We are a publicly traded Regional Bank with over $2.5B in assets and 35 offices in 5 states. We have an entrepreneurial spirit and focus on the community by specializing in small to medium sized business clients. Our single point of contact model delivers outstanding customer service. United Business Bank's comprehensive benefit package includes medical, dental, vision, 401K, long and short term disability insurance, flexible spending account, a generous vacation and sick policy.
About The Position...
The Credit Analyst III – Portfolio Risk Management (CA III – PRM) is an onsite position and does not have remote opportunities.
The Credit Analyst III – Portfolio Risk Management (CA III – PRM), along with the other credit support staff, will work closely with the Director of Portfolio Risk Management to manage the Bank’s portfolio risk. In this position, the main responsibility will be to complete annual reviews whereby updated financial statements were not provided. Preparation of a minimal annual review requires obtaining and reviewing updated credit reports, property inspections, reviewing property profile for changes in property vesting and lien position, verification that property taxes are paid, and adequate insurance certificates are in place. Additional duties include the preparation of spreading requests, covenant certifications and review of collateral audits completed by Credit Analysts I and II – Portfolio Risk Management. This position will assist in and provide guidance to Credit Analysts I and II – Portfolio Risk Management that manage the portfolio risk inbox as it relates to completing financial analysis for annual reviews, covenant monitoring and financial spreading requests from special assets and the sales team. This position will coach and interact with Loan Officers and Portfolio Managers to discuss annual reviews, covenant certifications, reporting requirement waivers with a goal to reduce past due ticklers. This position may assist as a backup in preparing the weekly Director and Management Loan Committee package in coordination with the Chief Credit Officer, as needed. In addition, this position will perform all duties accurately, timely and efficiently, and according to Bank policies, procedures and regulatory guidelines. They will also assist the Director of Portfolio Risk Management with other duties assigned.
Qualifications
About You...
You are a self-starter with an entrepreneurial spirit who thrives in a team environment. You also have the following:
Education/Certification: Bachelor’s Degree in Math, Business or related field, required.
Required Knowledge: Knowledge of banking and lending operations and procedures, as well as the various regulations and standard banking practices.
Experience Required: 3 – 5 years credit and/or lending experience is preferred.
Skills/Abilities
We are an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or veteran status.
Join a winning team at United Business Bank and enjoy a friendly and collaborative work environment where opportunities for advancement are encouraged and supported. We pride ourselves on the team that we have in place, and we proudly state that our success is due largely to our team and their commitment to our client base. Thank you for considering United Business Bank as your next step in your career path, we look forward to hearing from you.
About United Business Bank
We are a publicly traded Regional Bank with over $2.5B in assets and 35 offices in 5 states. We have an entrepreneurial spirit and focus on the community by specializing in small to medium sized business clients. Our single point of contact model delivers outstanding customer service. United Business Bank's comprehensive benefit package includes medical, dental, vision, 401K, long and short term disability insurance, flexible spending account, a generous vacation and sick policy.
About The Position...
The Credit Analyst III – Portfolio Risk Management (CA III – PRM) is an onsite position and does not have remote opportunities.
The Credit Analyst III – Portfolio Risk Management (CA III – PRM), along with the other credit support staff, will work closely with the Director of Portfolio Risk Management to manage the Bank’s portfolio risk. In this position, the main responsibility will be to complete annual reviews whereby updated financial statements were not provided. Preparation of a minimal annual review requires obtaining and reviewing updated credit reports, property inspections, reviewing property profile for changes in property vesting and lien position, verification that property taxes are paid, and adequate insurance certificates are in place. Additional duties include the preparation of spreading requests, covenant certifications and review of collateral audits completed by Credit Analysts I and II – Portfolio Risk Management. This position will assist in and provide guidance to Credit Analysts I and II – Portfolio Risk Management that manage the portfolio risk inbox as it relates to completing financial analysis for annual reviews, covenant monitoring and financial spreading requests from special assets and the sales team. This position will coach and interact with Loan Officers and Portfolio Managers to discuss annual reviews, covenant certifications, reporting requirement waivers with a goal to reduce past due ticklers. This position may assist as a backup in preparing the weekly Director and Management Loan Committee package in coordination with the Chief Credit Officer, as needed. In addition, this position will perform all duties accurately, timely and efficiently, and according to Bank policies, procedures and regulatory guidelines. They will also assist the Director of Portfolio Risk Management with other duties assigned.
Qualifications
About You...
You are a self-starter with an entrepreneurial spirit who thrives in a team environment. You also have the following:
Education/Certification: Bachelor’s Degree in Math, Business or related field, required.
Required Knowledge: Knowledge of banking and lending operations and procedures, as well as the various regulations and standard banking practices.
Experience Required: 3 – 5 years credit and/or lending experience is preferred.
Skills/Abilities
- Strong oral and written communication abilities.
- Strong math skills.
- Strong interpersonal skills.
- Strong business development techniques and cross-selling skills.
- Ability to identify, analyze and handle credit requests.
- Good organizational skills.
- Good personal computer skills, ability to use Word and Excel.
- Professional appearance, dress and attitude.
We are an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or veteran status.
