Portfolio Analyst - Commercial Banking Admin YOU - Youngstown, OH

This position is hybrid. The employee is split between remote and office work on a formalized schedule. Consideration for location will be in Youngstown, OH Market.

High School Diploma or GED required.

Bachelor's Degree in Business Administration preferred.

Minimum of three year of relevant banking experience preferred.

ESSENTIAL FUNCTION

Banking is a highly regulated industry and you will be expected to acquire and maintain a proficiency in the Bank's policies and procedures, and adhere to all laws, rules and regulations that are applicable to your conduct and the work you will be performing. You will also be expected to complete all assigned compliance training in a timely manner.

ESSENTIAL DUTIES AND RESPONSIBILITIES

Practices the standards of the Bank's Mission, Vision, and Pledge.

Prepares and coordinates Line of Credit annual renewals.

Prepares and coordinates annual relationship review.

Assists with clean-up and resolution of loan exceptions.

Maintains direct client contact to collect financial and other information, and manage portfolio.

Monitors construction loans and advances in conjunction with Secured Credit Administration (CRE).

Analyzes commercial construction draw packages submitted by commercial lending production areas for completion and accuracy and recommend approval or denial of requested draw amount. Specifically:

Receives, reviews and balances commercial construction draw documentation (budgets, inspection reports, title updates and lien wavers, etc).

Reviews all documentation and disbursements to ensure all funds have been disbursed properly.

Orders project inspections and title updates and reviews both for compliance.

Interfaces with customer on issues as they arise.

Monitors borrowing base certificates / AR aging's and Line of Credit advances in conjunction with Secured Credit Administration (C&I).

Assists in research on clients and prospects using market and industry research provided by outside vendors.

Attends problem loan meetings as a resource to the Commercial Banker.

Utilizes the market scorecard to address the Bank's performance in each state in which it operates.

Performs other duties as assigned.

SUPERVISORY RESPONSIBILITIES

This position generally has no supervisory responsibilities.

QUALIFICATIONS

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

THE FOLLOWING QUALIFICATIONS ARE PREFERRED

Experience with commercial lending systems and loan documentation preferred.

Solid understanding of all aspects of commercial lending, documentation and servicing. Must be able to recognize what is missing or needed.

Previous formal credit training or proven strong credit analysis skills, preferred.

Ability to read, analyze and interpret Commercial Construction Loan documents including notes, mortgages and construction loan Agreements.

Experience in analyzing financial statements from commercial clients to determine what is needed.

Experience in reviewing covenants to understand if the loan will be able to meet those covenants.

Experience with commercial draw agreements and make independent decisions to determine if it is the correct draw amount and if not must be able to call the client and explain the reasoning.

Must have experience working independently with the credit and underwriting personnel.

COMPUTER SKILLS

Ability to utilize Microsoft Office software.

Ability to learn commercial banking software.

OTHER SKILLS AND ABILITIES

Ability to coordinate and/or manage multiple tasks in various stages is imperative.

Good time management skills.

Willingness to provide a level of service which will clearly differentiate us from our competitors.

Professional demeanor in appearance, interpersonal relations, work ethic and attitude.

Possess clear, concise, effective written and oral communication skills to effectively express thoughts, ideas and concepts to bank employees and bank customers.

Ability to work with others in a team environment and under occasional time constraints is a necessity.

Employee must be willing to learn, understand and promote Bank products and services.

Ability to maintain confidentiality is required.

LANGUAGE SKILLS

Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations. Ability to write reports, business correspondence, and procedure manuals. Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.

MATHEMATICAL SKILLS

Ability to work with mathematical concepts such as probability and statistical inference. Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations.

REASONING ABILITY

Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in standardized situations.

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.

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.

This Job has been designated as a "Hybrid Position;" this indicates that, after a minimum of 90 days, wherein a successful review of the employee's progress has been achieved, the employee is eligible to work up to two days remotely and three days in the employee's on-site Bank office. Consideration of the schedules of co-workers and associates and service to our clients will be factors in determining remote workdays.