We are currently looking for Loan Portfolio Underwriters/Analysts to oversee and monitor the Bank's portfolio of CRE, C&I, and SBA loans to small and medium-sized businesses. This position is based in our new corporate headquarters in Fort Lee, NJ, minutes from the George Washington Bridge.
Responsibilities:
- Review industry information and comparisons, key risks and mitigating factors, and collateral to form a general business overview of borrowers and use results of analysis to underwrite and monitor commercial loans.
- Source, compile, and review financial data, communicate with customers or prospects, and perform analysis to recommend appropriate credit risk, risk ratings, and loan structuring.
- Ensure new and renewed commercial loans are underwritten according to applicable regulations, procedures, and Bank guidelines.
- Perform timely annual and/or quarterly credit reviews of assigned loans; propose appropriate changes in risk ratings.
- Perform impairment analysis of non-performing loans and recommend charge-offs as appropriate.
- Process loan modifications in a timely manner.
- Review past-due reports and follow up as appropriate.
- Work with legal counsel to manage and resolve loans in litigation and OREO portfolio.
- Conduct site visits as needed.
Your Qualifications:
- At least three years of experience managing loan portfolios for a community bank handling CRE, C&I, and/or SBA loans.
- Strong underwriting and analytical skills.
- Interpersonal skills that enable you to make personal connections, engage customers, and behave courteously and professionally at all times.
- Excellent verbal and written communication skills, with the ability to express yourself clearly, politely, and firmly.
- Strong detail orientation and organizational skills.
- A college degree or equivalent experience.
- Ability and willingness to travel for site visits.
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