Commercial Portfolio Analyst

$66,435 - $85,654/Yr

Fremont Bank - Livermore, CA

Full-time

Livermore, CA

Monetary Authorities-Central Bank

About the position

The Commercial Portfolio Analyst at Fremont Bank is responsible for monitoring the bank's commercial real estate (CRE), multi-family (MF), commercial and industrial (C&I), and FNMA portfolios. This role involves analyzing financial information, managing loan covenants, and ensuring compliance with reporting requirements. The analyst will work closely with clients and various departments to facilitate effective communication and problem resolution.

Responsibilities

• Identify financial reporting and monitoring covenants for newly originated loans and renewals and create covenants in nCino or similar databases housing all covenants.
• Delete covenants from tracking as loans are repaid.
• Prepare and manage reporting of all covenants.
• Lead client outreach efforts for all loan types including letter campaigns for CRE and MF and various contact methodologies (including letters, e-mail, telephone, and in-person contact) for C&I.
• Review financial information when received to ensure completeness and upload information to nCino or similar database.
• Track receipt of site inspections from Appraisal department and upload to database.
• Complete Accounts Receivable / Accounts Payable analysis for asset-based C&I loans.
• Contact clients with questions and issues requiring clarification.
• Provide analysis results to Commercial Loan Servicing.
• Coordinate with CRM to resolve over-advance issues with Borrowers.
• Analyze all financial information as received, including Baker Hill spreads, Buker's Tax Analysis, personal financial statement verifications and adjustments, business and global DSCR, business operating and covenant ratios, rent rolls, operating statements, and commercial leases.
• Complete Annual Loan Reviews for CRE & MF loans within Bank's approved monitoring scope.
• Complete FNMA MF Annual Loan Review Worksheet per FNMA guidelines and input analyses to FNMA web portal.
• Complete Problem Loan Reports and Impairment Analyses for downgraded credits assigned to the Monitoring Group.
• May serve as representative of the Monitoring Group at the Matured and Past Due meetings, and may work with CRM to resolve routine delinquencies not assigned to Special Assets for more complex resolution.

Requirements

• Bachelor's degree in Business Administration, Accounting, Finance, or equivalent work-related experience.
• Minimum two to five years of experience in commercial lending, loan processing, credit analysis, banking, finance, or similar experience is required.
• Strong analytical aptitude, ability to mitigate risk and attention to details.
• Ability to organize and prioritize to meet deadlines.
• Ability to work cross-functionally among departments and directly with clients.
• Proficient in Excel.
• Knowledgeable of Bank's analytical tools.
• Excellent verbal and written communication skills with strong attention to detail.