Portfolio Credit Analyst I

Job Description

Conducts the timely completion of annual term loan reviews and covenant monitoring items for a select portfolio of bank loans. Responsible for coordination of loan analysis activities primarily pertaining to his/her assigned loan portfolio. Performs analysis of financial statements, cash flows and credit risk ratings. Independently researches and analyzes company and industry data. Completes required reports and records. Provides assistance to commercial loan officers, senior loan committee and loan analyst team. Assists with the credit analysis request queue on an as-needed basis. Assists associated lending officers with credit write-ups on an as-needed basis.

Essential Functions And Basic Duties

• Assumes responsibility for the effective performance of loan analysis functions.
• Gathers and analyzes updated financial data for review of existing commercial loans including, but not limited to, preparing cash flow analysis, financial statement spreads, borrowing base certificates and agricultural budgets.
• Completes annual term loan reviews and covenant monitoring forms on a timely basis. May assist lending officers in preparation of origination credit write-ups.
• While conducting analysis, effectively identifies risks, flags items requiring more investigation, and notifies management of any material concerns.
• Completes moderately complex to advanced level analysis involving all types of entities, high number of statements or schedules, larger loan dollar amounts, and ability to prepare and support projections.
• Written work supports the credit risk rating decision well, and is easily followed by reviewers with proper paper trails and notations.
• Maintains a database of all loans analyzed including any recommendations for changes to current risk rating, if applicable.
• Studies economic trends in banking industry in order to predict probable success of new and existing customers.
• Conducts collateral analysis in order to determine risk involved with loans.
• Takes ownership of work and self-reviews for errors. Anticipates needs of others.
• Assumes responsibility for establishing and maintaining effective communication and coordination with area personnel and with management.
• Works closely with the originating loan officer to obtain updated financial records of borrowers in the portfolio. May engage in direct communication with the customer, as worked out with the loan officer on a case-by-case basis.
• Assists and supports commercial lending personnel as needed.
• Keeps management informed of area activities and of any deterioration in the loan portfolio.
• May periodically develop and conduct loan officer training regarding cash flow analysis, loan pricing and related information as needed.
• Assists in the preparation of Senior Loan Committee reports, including covenant reports, term loan reviews, and the overall status of the loan portfolio.
• Assumes responsibility for related duties as required or assigned.
• Maintains and conveys the Bank's professional reputation.
• Promotes D.L. Evans Bank at all times.
• Serves as a representative for D.L. Evans Bank in the community.
• Completes special projects as assigned.
• Attends meetings as required.
• This position has security responsibilities.
  
  

PERFORMANCE MEASUREMENTS

• Term loan reviews, covenant monitoring items, and assigned portfolio analyses are completed accurately, thoroughly, and within established deadlines.
• Financial statements, cash flows, borrowing base certificates, agricultural budgets, collateral, and related credit information are analyzed accurately and documented with clear supporting work papers.
• Credit risks, adverse trends, exceptions, and matters requiring further investigation are identified promptly and communicated to management and the appropriate lending personnel.
• Credit risk rating recommendations and supporting written analyses are well-reasoned, consistent with bank standards, and readily understood by reviewers.
• Loan analysis records, databases, reports, and portfolio monitoring information are complete, current, accurate, and maintained in accordance with established Bank policies and procedures.
• Commercial lending personnel, Credit Administration, and the Senior Loan Committee receive timely, accurate, professional, and effective analytical support.
• Communication and coordination with loan officers, management, customers when authorized, and other bank personnel are professional, responsive, and effective.
• Assigned work is self-reviewed for quality, completed with appropriate ownership and initiative, and supports special projects, training, meetings, and other departmental responsibilities as needed.
  
  

Qualifications

Basic Qualifications: High School diploma or equivalent and a minimum of 2 years experience in commercial lending or financial statement review.

INTERNAL CANDIDATES: Quality: large mistakes in work performed are rare, smaller mistakes are fairly infrequent (no more than about 1 out of every 10 tasks completed). Quantity: completes all tasks assigned without issue, equal to or exceeding the minimum quota. Satisfactory performance review rating of “valued performer” or above.

Preferred Qualifications: Bachelor’s degree in finance, accounting or related field with a minimum of 1 year or more.

Skills/Abilities: Solid analytical and organizational Ability to operate computer applications.

Good written and oral communication skills.

Attentive to detail.

Good project management abilities.

Able to operate PC, calculator, telephone,

related financial software and other basic office equipment.

Company Description

D.L. Evans Bank is a community bank and has been since 1904. For many years, we have provided premier banking services to the residents of Southern Idaho and Northern Utah while fostering a working environment for our employees dedicated to teamwork and excellent customer service. If you are a dynamic and customer-driven individual, whether an experienced banker or just beginning your career, we encourage you to continue with this applicant friendly, online job application!

D.L. Evans Bank is an Equal Opportunity Employer – D.L. Evans Bank is an Equal Opportunity Employer – veterans/individuals with disabilities. VEVRAA Federal Contractor. EOE/AA/Vets/IWD.

Benefits

• Medical Insurance
• Dental Insurance
• Vision Insurance
• FSA
• 401(k)
• Employee Stock Ownership Plan
• Paid Vacation
• Sick Time
• Life Insurance
• Long-term Disability Insurance