Specialty and CRE Lending Portfolio Credit Analyst at Atlanta Postal Credit Union – Hapeville, Georgia

Seeking a capable, detail-oriented individual to join our commercial lending TEAM! 3+ years' experience in Commercial credit review & analysis, Underwriting, Portfolio Management, CRE credit review and loan structuring. If this is YOU, apply today!

Title: Specialty and CRE Portfolio Analyst

Position Status – Full Time exempt

Reports To: Business Lending Manager

Salary information: $61,984 - 92,976

The listed pay information includes the minimum rate of pay to the max-point rate of pay for the posted position The actual compensation for this position may vary based upon, but not limited to, licenses or certifications, education or equivalent work experience, market data, qualifications, relevant experience, prior work and performance history, geographic location, and business sector.

We believe great work is to be rewarded with great benefits. Our benefits include, but aren’t limited to, Medical coverage with generous company contributions, Dental with employee only coverage paid by the company, Vision with employee only coverage paid by the company, Paid Time-Off, 401k plan with a defined company match, company paid long-term disability, short term disability, and company paid holidays.

Purpose: The primary purpose of this position is to assist Atlanta Postal Credit Union to live out our Mission, “To help our members achieve financial success by providing exceptional products and service.”

The Specialty/CRE Analyst and Portfolio Manager serves as the primary APCU Center Parc resource performing initial credit analysis for the underwriting of new business loans, managing an assigned portfolio of existing loans and maintaining a cadence of ongoing credit analysis and monitoring existing loans. The position focuses on Commercial Real Estate (CRE) and Specialty (GSA, USPS, IRE, etc.) loans.

Essential Duties and Responsibilities: Other duties may be assigned.

Adhere to and deliver on APCU Center Parc’s core values:

Serve Exceptionally

Commit to Better

Find the Fun

Invest in Integrity

Follow the Numbers

Go Forth and Conquer

Protect with Passion

Assesses the credit worthiness of businesses seeking CRE or specialty loans and for new and existing businesses members of APCU Center Parc.

Perform a thorough financial analysis; Review financial statements, credit history, and other relevant data to evaluate the borrower’s ability to pay on both a short-term and long-term basis.

On a schedule cadence, identify disparities, risks, and fluctuations in financial ratios and make recommendations on creative ways to mitigate risks to the credit union.

Make recommendations on CRE and specialty loan approvals, credit limits, loan structure, collateralization, and terms based upon a thorough assessment of financial risk.

Analyze appropriate structuring options for loan request and booked loans, considering collateral and borrower valuations; Monitors book loans for adherence to structure and covenants.

Prepare commitment letters or collaborate with internal stakeholders or internal counsel to prepare commitment letters.

Demonstrate full ownership of an assigned portfolio of existing business members with minimal guidance.

Complete annual reviews and both material and non-material modifications independently and within assigned time frame.

Coordinate all activity and interactions, associated with modifications, with the members, attorneys, agents, title agencies, underwriters, and processors

Monitor quarterly, semiannual, or annual reporting and financial statements and determine upgrades and downgrades in risk ratings.

Monitors and analyzes escrow accounts for contribution adjustments.

As required, support underwriters in reviewing and negotiating legal documentation.

Promptly escalates concerns, identified risks, or problem accounts in accordance with established procedures and in collaboration with other internal stakeholders.

Ensure that portfolio data is accurate, up to date, and complete; Commits to timeliness and quality of reporting capabilities.

Ensure compliance with established credit policies and procedures.

Perform all necessary tasks and assignments necessary to prepare for audits.

Demonstrate a sense of urgency, attention to detail, the ability to multi-task and the ability to make data driven financial decisions.

Effectively use written and oral communication skills in daily correspondence.

Adhere to the provisions of the Fair Credit Reporting Act (FCRA), Military Lending Act (MLA), Equal Credit Opportunity Act (ECOA), Truth in Lending Act (TILA), Fair Housing Act (FHA), the Universal Code (UCC), and any other state or federal regulation associated with the granting of credit that are applicable to this position.

Comply with all aspects of BSA/AML and OFAC regulations as they relate to this position.

Travel associated with this role less than 10%.

Other duties as assigned.

Supervisory Responsibilities: No direct reports. May manage day-to-day tasks through indirect reporting relationships or through a matrixed management approach and the ability to collaboratively interact with internal and external partners.

Qualification Requirements: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill and/pr ability required. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

REQUIRED Education and/or Experience:

A bachelor’s degree in finance, accounting, business administration, or related field of study; 4 years of specific work experience in lieu of degree

3 years of specific work experience where the primary tasks involved credit analysis, underwriting, portfolio management for specialty and CRE loans

3 years of specific work experience using modeling software like Argus, CoStar, lease management software, portfolio management software, and portfolio benchmarking tools and software

Advanced skills in Microsoft Excel or Google Sheets

PREFFERED Education and/or Experience:

5 years of broad work experience managing and monitoring a portfolio of Specialty and CRE loans including the annual evaluation of escrows, loan covenants, and mitigation of credit risks in a credit union

Working knowledge of Symitar, Baker Hill LOS, Meridian Link, Laser Pro, Co Tribute, and other software applications and tools relevant to this position and the evaluation of credit and monitoring of loan performance

Experience in the utilization of data visualization tools for credit and portfolio management

Physical Job Requirements:

Must be physically able to operate a variety of automated office machines such as calculator, computer, printer, facsimile, telephone, copier, etc. Must be able to stand, bend and stoop as needed. Must be able to lift and/or carry weights of 5 to 25 pounds.

APCU Center Parc Credit Union is an equal opportunity employer committed to providing equal opportunities to applicants and our policy is not to discriminate against any applicant or employee based on race, color, sex, religion, national origin, disability status or veteran status or any other basis protected by applicable federal, state, or local laws. APCU Center Parc Credit Union prohibits harassment based on the same protected classes and criteria.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of the job.

The requirements for the position listed are general and are not all inclusive. If you have any questions concerning this position, please contact Human Resources.

Please note that an employment offer, and your continued employment are contingent upon acceptable results of a background and credit check, and satisfactory proof of your right to work in the U.S.