Commercial Portfolio Analyst I

The Commercial Portfolio Analyst I provides expert guidance for auditing and reviewing final Member Business Loan [MBL] closing documents, ensuring proper execution, completeness, compliance, and accuracy.  The role also supports the overall health of the MBS portfolio of relationships by ensuring timely collection and review of members’  required property and casualty insurance, verification of tax payments, and ensures relationship data is complete and accurate in the various loan system processing cores and nCino database [collectively, Loan Operating Systems (LOS)].

• Audits and reviews executed MBL closing documents and system data. Reviews the closed loan package, identifies any errors and follows up with any corrections, providing peace of mind by ensuring that all required documents are complete and required signatures obtained.  Follows up with the necessary internal and external parties to obtain all documents, including trailing documents.  Updates and corrects any data errors in the LOS.  Provides timely delivery of loan data to servicing for setup.  Uses and updates reports to monitor tasks.  Reviews closed loan packages and data for compliance to all state and federal related regulations. Ensures proper policies, procedures, risk mitigation activities, and operating controls are followed.  Reports gaps in policies, procedures, and operating controls to leadership to ensure member impact and risk is mitigated. (55%)
• Annual reviews of business members to include analysis of cash flow, financial condition, management ability, repayment history, and economic conditions. Ensures proper policies, procedures, risk mitigation activities, and operating controls are followed.  Reports gaps in policies, procedures, and operating controls to leadership to ensure member impact and risk is mitigated.  (35%)
• When appropriate, assigns and tracks tasks to MBS Team Members to resolve all trailing documentation issues, including collateral, leases, insurance, assignments, etc. (5%)
• Assists tracking of covenant performance regarding financial reporting, financial performance indicators, and default provisions. Draft notices to members when in violation of material covenants through written correspondence and engages directly on the credit union’s behalf to resolve loan defaults. (5%)