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Commercial Loan Portfolio Analyst
Zions Bancorporation
Sacramento, CA, United States
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Description
California Bank & Trust, a division of ZB NA, is seeking well qualified professionals for the role of Commercial Loan Portfolio Analyst, located in Sacramento CA. The successful incumbent will perform the following essential job duties:
• Monitor and maintain a portfolio of loans which include; Real Estate Investor, Real Estate Owner Occupied, SBA 504, SBA 7A, SBA Express, Lines of Credit, etc. Responsible for risk grading of loans.
• Understand portfolios and associated risks.
• Monitor and analyze required financial information.
• Prepare the financial analysis and performs property profile reviews on real estate credits as required.
• Recommend risk rating adjustments and refers loans to special assets department as appropriate.
• Interface with Special Assets staff as needed.
• Present loans quarterly at the Portfolio Review meetings and Problem Loan meetings. Ensure that Problem Loan Reports are created for all upgrades/downgrades of Automated Risk Graded credits.
• Monitor Covenant Tracking as required by Credit Presentations.
• Ensure that requests for financial or other covenant information is mailed to clients.
• Responsible for holding monthly planning meetings with branches and developing plans for notices, letters, appraisals and financial information.
• Set up site inspections as needed and reviews inspection reports.
• Prepare Credit Presentations or Credit Amendment Modification Forms for servicing related needs.
• May Provide work direction and technical guidance to lower level staff.
• Other duties as assigned.
Qualifications
What you bring to the table:
• Associate degree in Business, Finance, Accounting or a related field.
• 2+ years of lending, credit and financial analysis, loan documentation, underwriting or other directly related experience (a combination of education and experience may meet requirements).
• Working knowledge of a variety of loan portfolios; including real estate, owner occupied commercial real estate, small business, lines of credit, etc. Working knowledge of lending principles and procedures, financial statement spreading and analysis, credit analysis, and loan grading for moderately complex loans.
• Solid understanding of risks associated with various types of loans.
• Strong customer service and communication skills, both verbal and written.
• Must be detail oriented.
• Ability to analyze data and make recommendations.
• Proficient with Microsoft Office application software.
Benefits:
• Stable employer, California Bank & Trust (CB&T), a division of ZBNA (Nasdaq: ZION) with over $11 billion in assets for CB&T and $63 billion in assets for Zions Bancorporation, with promotional career opportunities
• Job title, level and compensation are commensurate with experience and qualification. The total compensation includes competitive incentive programs.
• Health / dental / vision plan
• 401 k plan with up to 5% matching - no waiting period for new employees