Loan Portfolio Analyst II

Mô tả công việc

This position requires a deadline driven and detail minded individual who will be responsible for maintaining and satisfying investor requirements.  Focus will be on commercial mortgage risk management and customer service.  Additional responsibilities may be added as company grows. ESSENTIAL ACCOUNTABILITIES:Plan and schedule own workload to most efficiently meet benchmarks.Provide premier customer service to lenders, borrowers, other servicing staff and regional offices.Analyze annual & quarterly property financial statements, and tenant occupancy reports.  Underwrite and evaluate borrower personal financial and tax statements. Create future cash flow projections and proformas.Review and assess commercial property inspections conducted by third party vendors and regional offices.Work with customers to resolve any outstanding deferred maintenance.Conduct due diligence of loan documents to ensure proper loan setup and servicing of the loan. Prepare borrower requests for investor review, including narrative analysis of the borrower, property, location and market data.  Analyze and process borrower request according to lender requirements and company guidelines.  Requests include:Summary analysis of leases, determining cash flow implications to the propertyReview and recommendation of capital expenditure reimbursement requests from borrowersLoan extension requestsAssumptionsTransfer of OwnershipPartial Release/Substitution of CollateralCondemnation/EasementMonitor special reserve escrows and investments.Monitor maturing loans with regional offices.Coordinate loan payoff requests between borrower and lender, including yield maintenance and other prepayment consideration calculations.Monitor and collect outstanding mortgage payments, carefully documenting collection efforts.Monitor and update monthly loan reports utilized by investors and management to analyze portfolio risk.Serve on procedure committees, annually updating company guidelines for Portfolio Management job responsibilities. Perform other reasonable tasks/projects as assigned.QUALIFICATIONS:Education:  Bachelor's Degree, preferably in the finance, real estate or accounting area.Work Experience:  2-5 year's experience in finance or accounting.  Background in commercial lending or servicing preferred.Demonstrated Technical Competencies to include: Strong skills in Microsoft Outlook, Excel, and WordFamiliar with commercial loan terminologyDemonstrated Professional Competencies to include: Strong analytical and modeling skillsExcellent oral and written communication skillsCustomer service orientedStrong organizational and prioritization skillsAbility to work both independently and within a team, with minimal supervisionAbility to handle multiple projects and assignments; able to prioritize and meet deadlinesDemonstrated work ethic and willingness to work extended hours when necessaryAttention to detail and accuracy requiredProblem solving skills to reflect level of responsibilitiesAbility to maintain sensitive and confidential informationAbility to maintain positive attitude in all situationsAbility to work overtime as required by workload or various deadlines