Commercial Real Estate Data Analyst

GENERAL DESCRIPTION OF POSITION

Analyzes credit data to estimate degree of risk involved in extending credit or lending money to firms or individuals.

ESSENTIAL DUTIES AND RESPONSIBILITIES

1. Manage and monitor the loan portfolio data from an overall analytical perspective. This duty is performed daily, about 30% of the time.

2. Ensure reasonableness (quality control) of existing data collected for loans. Determine if, when and how additional data needs to be collected. This duty is performed monthly, about 30% of the time.

3. Develop, prepare and analyze loan concentration reports by type of loan, collateral, geography and industry. This duty is performed monthly, about 10% of the time.

4. Analyze historic and predictive portfolio performance by segments in different economic cycles and geographic locations. This duty is performed quarterly, about 10% of the time.

5. Coordinate with DFAST team on data integrity and stress testing scenarios. This duty is performed as needed, about 5% of the time.

6. Assist CLO with analysis and narratives of economic conditions and statistics useful in analyzing loan portfolio risk exposures. This duty is performed as needed, about 10% of the time.

7. Assist CLO with economic and loan data analysis for preparation of the quarterly allowance for loan loss adequacy report. This duty is performed quarterly, about 5% of the time.

8. Completes required BSA/AML training and other compliance training as assigned.

9. The ability to work in a constant state of alertness and in a safe manner.

10. Perform any other related duties as required or assigned.

QUALIFICATIONS

To perform this job successfully, an individual must be able to perform each essential duty mentioned satisfactorily.  The requirements listed below are representative of the knowledge, skill, and/or ability required.

EDUCATION AND EXPERIENCE

Broad knowledge of such fields as accounting, marketing, business administration, finance, etc. Equivalent to a four year college degree, plus 8 years related experience and/or training, or equivalent combination of education and experience.

COMMUNICATION SKILLS

Ability to write reports, business correspondence, and policy/procedure manuals;  Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.

MATHEMATICAL SKILLS

Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts such as fractions, ratios, and proportions to practical situations.

CRITICAL THINKING SKILLS

Ability to define problems, collect data, establish facts, and draw valid conclusions. Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables.

REQUIRED CERTIFICATES, LICENSES, REGISTRATIONS

Not indicated.

PREFERRED CERTIFICATES, LICENSES, REGISTRATIONS

Not indicated.

SOFTWARE SKILLS REQUIRED

Advanced: 10-Key, Accounting, Spreadsheet, Word Processing/Typing

WORKING CONDITIONS

Normal working conditions as found within an office setting, wherein there is controlled temperature and a low noise level, plus a minimum of distractions.

ENVIRONMENTAL CONDITIONS

The following work environment characteristics described here are representative of those an employee encounters while performing essential functions of this job.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The noise level in the work environment is usually moderate.

PHYSICAL ACTIVITIES

The following physical activities described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions and expectations.

Semi-repetitive, low physical. Semi-repetitive type work which requires periods of concentration for varied time cycles as prescribed by the tasks.

While performing the functions of this job, the employee is continuously required to sit; frequently required to talk or hear; and occasionally required to walk, use hands to finger, handle, or feel. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision.

ADDITIONAL INFORMATION

College graduate with degree in business, finance, accounting, or economics, or a minimum of 7 years of bank lending experience with demonstrated knowledge of principals of accounting, finance, and economics.  Should be analytically minded and possess good judgment.  Proficient in Microsoft Word and Excel.