Loan Portfolio Analyst II

Position Purpose:

Ensure strong asset quality by auditing commercial loan files for policy compliance and accuracy. This position plays an important role in reviewing and identifying credit risk trends and recommending process improvements to help safeguard the Bank's loan portfolio.

Job Duties and Responsibilities:

• Conduct the Bank’s internal loan review and audit processes while supporting strong asset quality for credits of varying size and complexity.
• Review commercial loan files for accuracy, documentation, and compliance with credit standards, policies, and regulatory requirements.
• Provide written analysis of loan relationships, assess underwriting accuracy, ensure loan risk rating changes are timely, accurate, and provide early identification of negative risk trends.
• Perform continuous monitoring of the commercial credit portfolio through meeting participation and analytical reporting.
• Analyze and evaluate loan exceptions and associated mitigants.
• Work closely with management to identify and address potential risks and trends.
• Communicate issues and process improvement recommendations to management.
• Complete annual training as required.
• Participate in bank/community activities.
• Other duties as assigned.

Skills and Abilities Required:

• Analytical and problem-solving skills.
• Excellent written and oral communication skills as well as the ability to read and understand policies and procedures.
• Critical thinking skills.
• Strong sense of initiative; self-motivated; work well without close supervision.  
• Ability to build professional relationships with coworkers. 
• Knowledge of banking industry, lending policies, procedures, and related government regulations.
• Understanding and application of financial ratios, financial analysis, and accounting principles.
• Strong computer skills; proficient in Microsoft Word, Excel and Outlook.
• Understanding of UCC, appraisals, and loan documentation concepts.

Experience and Education Requirements:

• Bachelor's degree in Finance, Accounting, or a related business degree; or a bachelor's degree in a non-related field with equivalent related experience.
•  Minimum four (4) years of experience as a credit or financial analyst with underwriting ability, preferred.
•  Minimum two (2) years of loan review experience, required.

Physical Requirements:

• Typically requires sitting for long periods of time in front of a computer with intermittent stooping, bending, and walking.
• May occasionally lift up to 25 pounds which may include the need for independent mobility to: bend, reach, or kneel.
• Visual and auditory skills are required.

Core Values in Action:

• Integrity: Leads by example with ethical decision-making, honesty, and accountability.
• Trust: Builds confidence through transparent communication and consistent follow-through.
• Respect: Treats others with kindness, professionalism, and appreciation for diverse perspectives.
• Better Together: Fosters collaboration and teamwork to achieve shared goals through strong, trust-based relationships. 
• Client & Community Focused: Puts clients and community first through responsive service and meaningful engagement.

Firstar Bank is proud to be an Equal Opportunity Employer: EEO/M/F/Disabled/Vets