CNB Bank, Portfolio Monitoring Analyst (Credit Admin) -Hybrid
About the position
The Portfolio Monitoring Analyst serves as a vital link between credit administration and relationship management, ensuring the timely review and accurate analysis of commercial loan performance. Through detailed covenant testing, financial spreading, and proactive communication, the analyst helps safeguard portfolio quality and identify emerging risks. This position demands a high level of analytical ability, accountability, and collaboration to support sound credit decisions and maintain portfolio integrity
Below is a list of essential functions of this position. Additional responsibilities may be assigned in the position.
Responsibilities
• Assess ongoing credit risk in the bank’s commercial loan portfolio through the timely review of assigned loans.
• Test all financial covenants required for assigned loans in the commercial portfolio and determine compliance based on parameters set forth in the executed loan documents.
• Upon receipt of required financial statements from the customer, update spreads within the bank’s loan origination system.
• Identify any deviations from agreed upon performance metrics and raise credit concerns to all related business partners.
• Collaborate with business partners to ensure appropriate usage of performance covenants and accurate documentation of calculation verbiage.
Requirements
• Bachelor’s degree from a four-year college or university in the area of business, accounting, finance or other related field and 2 or more years of commercial credit analysis or commercial lending experience preferred.
• A background screening will be conducted.
• Ability to read, comprehend and analyze general business periodicals, professional journals, financial reports, policy and procedure documents, job-related training materials, and commercial loan documentation.
• Possess strong professional communication skills, both written and verbal, with the ability to effectively communicate with teammates, business partners, management, and other bank personnel.
• Demonstrate the ability to convey observations and insights clearly and concisely in written reports and documentation, ensuring accurate and effective communication of key information.
• Ability to utilize telephone systems and possess good digital literacy including email, internet and intranet use.
• Prior experience or the ability to learn core transaction system, digital imaging system, loan origination system, Microsoft Office programs, and any other computer programs pertinent to performing job duties.
• Possess a solid foundation in mathematical and analytical skills in relation to evaluating financial information.
• Ability to apply mathematical reasoning to accurately calculate and monitor financial covenants, identify trends, and measure financial performance over time.
• Possess a range of reasoning abilities to assess financial information, identify risks and effectively monitor the commercial loan portfolio.
• Exhibit skills in analytical, quantitative, and deductive reasoning, critical thinking, problem solving, decision-making and attention to detail.
• Ability understanding and carry out instructions furnished in written, oral, or diagram form
Benefits
• Medical, Dental, Vision & Life Insurance
• 401K with company match
• Paid Time Off & Recognized Holidays
• Leave policies
• Voluntary Benefit Options (Life, Accident, Critical Illness, Hospital Indemnity & Pet)
• Employee Assistance Program
• Employee Health & Wellness Program
• Special Loan and Deposit Rates
• Gradifi Student Loan Paydown Plan
• Rewards & Recognition Programs and much more!
• Eligibility requirements apply.
Apply Now
Apply Now
The Portfolio Monitoring Analyst serves as a vital link between credit administration and relationship management, ensuring the timely review and accurate analysis of commercial loan performance. Through detailed covenant testing, financial spreading, and proactive communication, the analyst helps safeguard portfolio quality and identify emerging risks. This position demands a high level of analytical ability, accountability, and collaboration to support sound credit decisions and maintain portfolio integrity
Below is a list of essential functions of this position. Additional responsibilities may be assigned in the position.
Responsibilities
• Assess ongoing credit risk in the bank’s commercial loan portfolio through the timely review of assigned loans.
• Test all financial covenants required for assigned loans in the commercial portfolio and determine compliance based on parameters set forth in the executed loan documents.
• Upon receipt of required financial statements from the customer, update spreads within the bank’s loan origination system.
• Identify any deviations from agreed upon performance metrics and raise credit concerns to all related business partners.
• Collaborate with business partners to ensure appropriate usage of performance covenants and accurate documentation of calculation verbiage.
Requirements
• Bachelor’s degree from a four-year college or university in the area of business, accounting, finance or other related field and 2 or more years of commercial credit analysis or commercial lending experience preferred.
• A background screening will be conducted.
• Ability to read, comprehend and analyze general business periodicals, professional journals, financial reports, policy and procedure documents, job-related training materials, and commercial loan documentation.
• Possess strong professional communication skills, both written and verbal, with the ability to effectively communicate with teammates, business partners, management, and other bank personnel.
• Demonstrate the ability to convey observations and insights clearly and concisely in written reports and documentation, ensuring accurate and effective communication of key information.
• Ability to utilize telephone systems and possess good digital literacy including email, internet and intranet use.
• Prior experience or the ability to learn core transaction system, digital imaging system, loan origination system, Microsoft Office programs, and any other computer programs pertinent to performing job duties.
• Possess a solid foundation in mathematical and analytical skills in relation to evaluating financial information.
• Ability to apply mathematical reasoning to accurately calculate and monitor financial covenants, identify trends, and measure financial performance over time.
• Possess a range of reasoning abilities to assess financial information, identify risks and effectively monitor the commercial loan portfolio.
• Exhibit skills in analytical, quantitative, and deductive reasoning, critical thinking, problem solving, decision-making and attention to detail.
• Ability understanding and carry out instructions furnished in written, oral, or diagram form
Benefits
• Medical, Dental, Vision & Life Insurance
• 401K with company match
• Paid Time Off & Recognized Holidays
• Leave policies
• Voluntary Benefit Options (Life, Accident, Critical Illness, Hospital Indemnity & Pet)
• Employee Assistance Program
• Employee Health & Wellness Program
• Special Loan and Deposit Rates
• Gradifi Student Loan Paydown Plan
• Rewards & Recognition Programs and much more!
• Eligibility requirements apply.
Apply Now
Apply Now