What are the responsibilities and job description for the Senior Portfolio Review Analyst position at Vantage Bank?
JOB CLASSIFICATION
Full / Part-time : Full-time
Hours Per Week : 40 hours
Location : 45 NE Loop 410, Suite 500, San Antonio, TX 78216
JOB SUMMARY
The Senior Portfolio Review Analyst will support the Loan Review function through the meticulous analysis of borrowing bases, diligent monitoring of loan compliance, and proactive management of client relations. They will assist in creating consistency across the regions by providing oversight and feedback to the field on best practices.
ESSENTIAL DUTIES
The duties listed below may not include all responsibilities that the person in this role may be asked to perform. Incumbent may be required to perform other related duties as assigned.
- Manages daily loan operations by maintaining accurate and current records in our loan system.
- Provides a "second" review of all Borrowing Base Certificates and loan covenants. Ensuring accuracy and compliance with our loan agreement and credit policy.
- Alerts management of credit weaknesses and issues on revolving lines of credit and Borrowing Base Certificates.
- Reviews and reconciliates month-end financial statements to confirm the accuracy of Borrowing Base Certificates.
- Ensures that financial reporting and required loan monitoring activities are completed in a timely manner.
- Evaluates C&I and Real Estate loan files to assess credit quality, documentation accuracy and completeness, and compliance with internal and external policies and regulations.
- Risk Grade loans according to policy by analyzing the borrower's financial position.
- Maintains great communication with Senior Management
- Addresses missing items, follow ups, and inquiries with Relationship Managers.
- Provides timely responses to credit, collateral & compliance requests.
- Monitors collateral values for material changes.
- Assists in the tracking and management of collateral and credit exceptions.
- Monitors that Field Audit Reports are obtained in a timely manner.
- Assists Loan Review with projects and tasks as needed.
- Other duties as assigned.
Requirements
QUALIFICATIONS
These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. The requirements listed below are representative of the knowledge, skill and / or ability required to perform the position in a satisfactory manner. Individual abilities may result in some deviation from these guidelines.
EOE / M / F / D / V
