Job Summary
The Portfolio Monitoring Analyst I provides administrative, tracking, portfolio monitoring, and underwriting of renewals, modifications, and guarantor/collateral release and substitution in support of the bank’s Business Direct Group (business purpose loans). This position will partner very closely with the respective lines of business relationship managers and Business Banking Associates to ensure timely renewal and appraisals/evaluations. The primary emphasis of underwriting will be driven by scorecard-based approvals and decisions, as the primary responsibility will be completion and managemnt of scorecard-based underwriting and submitting scorecards to the Analyst II or Manager for approval.
Key Responsibilities / Essential Functions
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
- Encourage open and ongoing dialogue with business bankers and Business Banking Associates.
- Underwrite small business renewal requests by completing the various financial spreads and cash flow analysis work in the bank’s small business underwriting workbook.
- Prepare renewals, modifications, and guarantor/collateral release and substitution for credit decisions.
- Complete scorecard driven annual reviews, and present findings from scorecard driven abbreviated annual reviews to PMA II and management for review and signature.
- Make recommendations for risk rating adjustments based on scorecard results when necessary.
- Perform analysis consistent with exposure level and whether financials are required for the annual review.
- Monitor ratings based on risks identified in various triggers and identify risk rating changes.
- Maintain confidentiality and security of sensitive information.
- Adhere to ll corporate policies and procedures, Federal and State reglations, and laws.
- Complete all mandatory annual compliance training.
- Follow regulatory requirements including those pertaining to the Bank Secrecy Act (BSA), Anti-Money Laundering (AML), Customer Identification Program (CIP), and OFAC to assist in the identification, detection, and determent of money laundering and other unlawful activities, as well as regulations pertaining to lending and consumer compliance to include fair lending laws.
- Perform other duties and special projects as assigned.
Job Requirements
Education:
- Bachelor’s degree in finance, accounting, and economics, business, or other related field or combination of relevant experience and education.
Required:
- 2+ years of banking experience.
- Working knowledge of finance principles sufficient to adequately perform technical aspects of job with reasonable amounts of supervision.
- Must have excellent communication and interpersonal skills, strong organizational and time management skills, and ability to work independently to meet deadlines while managing multiple projects/processes.
- Must have excellent diplomatic skills to manage conflicts effectively and with a high degree of personal and professional integrity.
- Must be able to understand and perform intermediate to more complex mathematical calculations.
- Must be a creative problem solver/decision maker who is able to adhere to prudent credit management practices, credit policies, regulations, and bank goals.
- Ability to be flexible and proactive, work in a fast-paced environment, and balance client service while simultaneously managing credit risk appropriately.
- High degree of personal and professional integrity – consistent, trustworthy, honest, and fair in dealing with bank staff and customers.
- Proficient in Microsoft Office products.
Preferred:
- Successful completion of a formalized credit training program.
- 6+ months of business/commercial banking and/or credit underwriting/analysis experience in the financial services industry.
About HomeTrust Bank
HomeTrust Bank, founded in 1926, is a North Carolina chartered, community-focused financial institution committed to providing value-added community banking through online/mobile channels and multiple locations in Virginia, North Carolina, South Carolina, Tennessee, and Georgia. Learn more at www.htb.com. Apply today to take your first steps towards joining this talented population of employees within a growing organization.
Work Environment, Physical Requirements
The physical demands described here are representative of those that must be met by an associate to successfully perform the essential functions of this job. HomeTrust Bank promotes an equal employment opportunity workplace which includes reasonable accommodation of qualified applicants and employees.
- This job operates in a professional office environment and routinely uses standard office equipment such as computers, phones, photocopiers, and fax machines.
- Specific vision abilities required by this position include close vision, distance vision, and the ability to adjust focus.
- Physical activity requiring reaching, sifting, lifting to 25 lbs., finger dexterity, grasping, feeling, repetitive motions, talking and hearing are required.
- The employee will frequently communicate and must be able to exchange accurate information with others.
- The employee may need to move around their office to attend meetings and to access files, machinery, or other job-related tools.
DISCLAIMER: HomeTrust Bank is an evolving company. As such this job description is not necessarily an exhaustive list of all responsibilities, duties, skills, efforts, requirements or working conditions associated with the job. While this is intended to be an accurate reflection of the current job, management reserves the right to revise the job or to require that other or different tasks be performed as assigned.
HomeTrust Bank values and promotes diversity and inclusion in every aspect of our business and at every level within the company. We recruit, hire, and promote employees based on their individual ability and experience and in accordance with Affirmative Action and Equal Employment Opportunity laws and regulations. Our policy is that we do not discriminate on the basis of race, color, gender, national origin, religion, age, sexual orientation, gender identity, gender expression, genetic information, physical or mental disability, pregnancy, marital status, status as a protected veteran, or any other status protected by federal, state, or local law.
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights (https://www.eeoc.gov/poster) notice from the Department of Labor.
