First Reliance Bank
Portfolio Analyst - Greenville, SC
First Reliance Bank, Greenville, South Carolina, us, 29610
Join to apply for the
Portfolio Analyst - Greenville, SC
role at
First Reliance Bank 4 days ago Be among the first 25 applicants Join to apply for the
Portfolio Analyst - Greenville, SC
role at
First Reliance Bank Get AI-powered advice on this job and more exclusive features. We are looking for a
Portfolio Analyst
to join our
Florence, Charleston, Columbia, or Greenville Market
!
The Portfolio Analyst provides leadership and support to the commercial and consumer lending group with respect to credit underwriting, annual credit reviews, renewal management, compliance, loss mitigation, and quality control monitoring of new and existing customers. This role supports First Reliance Bank's "client first" focus by providing customers with exceptional service. This is a great opportunity that requires you to act as a liaison between our credit administration and loan operations team to ensure loan portfolios are managed within policy and procedural guidelines.
Core Responsibilities
Maturing Loans
(Maturing Loans and Annual Reviews can be consolidated under quality control categories)
Facilitate renewal process working with operations, loan officers and the credit department to ensure timely completion of renewals.
Annual Reviews
Complete Annual Loan Reviews within 30 days of review date (and financial information receipt) as determined by loan officer and or credit administration. In conjunction with the management team ensure there are no material findings from audit reviews. Co-ordinate with the loan officer to complete the site visit.
Credit Analysis/ Loan Underwriting
Upon request, provide the Lending Team with analytical support of loan requests, including creation of financial spreads, industry analysis, and underwriting support. (Partial or full credit memos for new loans and loan renewals) Financial Spreads are to be prioritized and completed within 5 days of full financial package delivery, and the total completion goal is 2 days. Full credit memo requests shall be managed on a case-by-case basis working closely with a loan officer. Knowledge of lending policies and procedures, loan agreements, assumptions, accounting, loan structuring, and collateral procedures. Knowledge of Bank's products and services.
Quality Control
In conjunction with the management team, coaches loan officers on correct loan structuring. Ensure the administration of loans assigned is in compliance with established credit policy, bank procedures and commercial and regulatory guidelines. Knowledge of various federal regulations including Bank Secrecy Act, Community Reinvestment Act, Americans with Disabilities Act, Right to Financial Privacy Act, Gramm-Leach-Bliley Act, Regulation E and US PATRIOT Act. Knowledge of Bank's products and services. Ensure that all communications with FRB Loan Officers, lending support, and other employees are professional and reflect FRB standards of culture and policy. If problems are encountered escalate the matter to the appropriate party and taking ownership and following up on a daily basis as necessary until conclusion. Provide monthly, quarterly and annual covenant monitoring as necessary and follow up on violations. Work with Loan Officers to prepare and present quarterly Asset Improvement Plans (for Watch loans). In underwriting process, denote all loan documentation and technical exceptions. As financial statements are received for credit analysis/underwriting, facilitate the capture and correct filing/organization in Bank's central file (for existing Borrowers with CIF profile). Assists with construction/loan draw monitoring.
Loss Mitigation (Loss mitigation can be consolidated under Quality control)
Watch loan improvement plans - coordinate efforts of loan officer to formulate an action plan to determine deficiencies, risk grade issues and develop plans to improve the asset or prepare proper next steps in the collection process.
Role Specific Competencies
Adaptability/Flexibility Adapts to change, is open to new ideas, takes on new responsibilities, handles pressure, and adjusts plans to meets changing needs. Creativity/Innovation Generates new ideas, challenges the status quo, takes calculated risks, supports change, encourages innovation, and solves problems creatively. Tech Savvy Has awareness of, researches and adopts effective technologies that improve the bottom line and works well with existing tech resources.
Minimum Requirements
Two to five years of experience in a business banking lending environment. College degree with a background in financial management with some formal training in accounting. Strong written and verbal communication with the ability to coach lending associates on process and policy requirements. Expert level Excel skills Strong underwriting experience Strong understanding of FRB credit risk policy, loan operations (both consumer and small business loans), and First Reliance Bank's Compliance Policy. Ability to prioritize multiple competing tasks. Strong customer communication skills via various channels (i.e. email, letter, etc.) keeping true to First Reliance Bank's brand and quality standards.
Seniority level
Seniority level Mid-Senior level Employment type
Employment type Full-time Job function
Job function Finance and Sales Industries Banking Referrals increase your chances of interviewing at First Reliance Bank by 2x Sign in to set job alerts for “Portfolio Analyst” roles.
Greenville, SC $70,000.00-$140,000.00 13 hours ago Community Association Manager- Portfolio
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Portfolio Analyst - Greenville, SC
role at
First Reliance Bank 4 days ago Be among the first 25 applicants Join to apply for the
Portfolio Analyst - Greenville, SC
role at
First Reliance Bank Get AI-powered advice on this job and more exclusive features. We are looking for a
Portfolio Analyst
to join our
Florence, Charleston, Columbia, or Greenville Market
!
The Portfolio Analyst provides leadership and support to the commercial and consumer lending group with respect to credit underwriting, annual credit reviews, renewal management, compliance, loss mitigation, and quality control monitoring of new and existing customers. This role supports First Reliance Bank's "client first" focus by providing customers with exceptional service. This is a great opportunity that requires you to act as a liaison between our credit administration and loan operations team to ensure loan portfolios are managed within policy and procedural guidelines.
Core Responsibilities
Maturing Loans
(Maturing Loans and Annual Reviews can be consolidated under quality control categories)
Facilitate renewal process working with operations, loan officers and the credit department to ensure timely completion of renewals.
Annual Reviews
Complete Annual Loan Reviews within 30 days of review date (and financial information receipt) as determined by loan officer and or credit administration. In conjunction with the management team ensure there are no material findings from audit reviews. Co-ordinate with the loan officer to complete the site visit.
Credit Analysis/ Loan Underwriting
Upon request, provide the Lending Team with analytical support of loan requests, including creation of financial spreads, industry analysis, and underwriting support. (Partial or full credit memos for new loans and loan renewals) Financial Spreads are to be prioritized and completed within 5 days of full financial package delivery, and the total completion goal is 2 days. Full credit memo requests shall be managed on a case-by-case basis working closely with a loan officer. Knowledge of lending policies and procedures, loan agreements, assumptions, accounting, loan structuring, and collateral procedures. Knowledge of Bank's products and services.
Quality Control
In conjunction with the management team, coaches loan officers on correct loan structuring. Ensure the administration of loans assigned is in compliance with established credit policy, bank procedures and commercial and regulatory guidelines. Knowledge of various federal regulations including Bank Secrecy Act, Community Reinvestment Act, Americans with Disabilities Act, Right to Financial Privacy Act, Gramm-Leach-Bliley Act, Regulation E and US PATRIOT Act. Knowledge of Bank's products and services. Ensure that all communications with FRB Loan Officers, lending support, and other employees are professional and reflect FRB standards of culture and policy. If problems are encountered escalate the matter to the appropriate party and taking ownership and following up on a daily basis as necessary until conclusion. Provide monthly, quarterly and annual covenant monitoring as necessary and follow up on violations. Work with Loan Officers to prepare and present quarterly Asset Improvement Plans (for Watch loans). In underwriting process, denote all loan documentation and technical exceptions. As financial statements are received for credit analysis/underwriting, facilitate the capture and correct filing/organization in Bank's central file (for existing Borrowers with CIF profile). Assists with construction/loan draw monitoring.
Loss Mitigation (Loss mitigation can be consolidated under Quality control)
Watch loan improvement plans - coordinate efforts of loan officer to formulate an action plan to determine deficiencies, risk grade issues and develop plans to improve the asset or prepare proper next steps in the collection process.
Role Specific Competencies
Adaptability/Flexibility Adapts to change, is open to new ideas, takes on new responsibilities, handles pressure, and adjusts plans to meets changing needs. Creativity/Innovation Generates new ideas, challenges the status quo, takes calculated risks, supports change, encourages innovation, and solves problems creatively. Tech Savvy Has awareness of, researches and adopts effective technologies that improve the bottom line and works well with existing tech resources.
Minimum Requirements
Two to five years of experience in a business banking lending environment. College degree with a background in financial management with some formal training in accounting. Strong written and verbal communication with the ability to coach lending associates on process and policy requirements. Expert level Excel skills Strong underwriting experience Strong understanding of FRB credit risk policy, loan operations (both consumer and small business loans), and First Reliance Bank's Compliance Policy. Ability to prioritize multiple competing tasks. Strong customer communication skills via various channels (i.e. email, letter, etc.) keeping true to First Reliance Bank's brand and quality standards.
Seniority level
Seniority level Mid-Senior level Employment type
Employment type Full-time Job function
Job function Finance and Sales Industries Banking Referrals increase your chances of interviewing at First Reliance Bank by 2x Sign in to set job alerts for “Portfolio Analyst” roles.
Greenville, SC $70,000.00-$140,000.00 13 hours ago Community Association Manager- Portfolio
Greenville, SC $50,000.00-$55,000.00 7 months ago Greenville, SC $70,000.00-$140,000.00 2 weeks ago Senior Associate, CFO/F&A Technology Business Analyst
Financial Services - Global Compliance and Reporting - Real estate -Tax Senior Analyst-EDGE
Greenville, SC $85,000.00-$100,000.00 15 hours ago Greenville-Spartanburg-Anderson, South Carolina Area $80,000.00-$120,000.00 3 weeks ago Greenville, SC $80,000.00-$125,000.00 3 days ago Greenville-Spartanburg-Anderson, South Carolina Area 3 weeks ago Greenville, SC $80,000.00-$110,000.00 2 weeks ago Greenville-Spartanburg-Anderson, South Carolina Area 4 weeks ago Financial Services - Customer Tax Operations and Reporting - Tax Services Senior Analyst-EDGE
We’re unlocking community knowledge in a new way. Experts add insights directly into each article, started with the help of AI.
#J-18808-Ljbffr