Loan Workout/ Special Assets Analyst - Commercial Real Estate

JOB RESPONSIBILITIES

• Conducts market research and analysis to assist Special Assets Officers and Special Assets Team Leads in the remediation of classified commercial real estate/multifamily loans.
• Re-underwrite actionable credits with emphasis on borrower liquidity and cash flow sustainability, primary drivers of underperformance, corrective actions, and prospects for recovery
• Develop, maintain, and update financial models and analyses to evaluate restructuring, loan modification, or other recovery alternatives.
• Supports Special Assets Officers and Special Assets Team Leads in the development, execution, and monitoring of workout strategies.
• Acts as a liaison when needed for internal/external stakeholders.
• Prepare timely detailed credit approval memos, including financial analysis, relationship overview, cash flow analysis, collateral assessments, and risk evaluations.
• Reviews internal loan bookings and collateral positions.
• Maintains team files and records.
• Interact with borrowers, advisors, and internal bank/outside counsel.

ADDITIONAL ACCOUNTABILITIES 

• Performs special projects, and additional duties and responsibilities as required. 

• Consistently adheres to regulatory and compliance policies and standards linked to the job as listed and complete required compliance trainings.  Accountable to maintain compliance with applicable federal, state and local laws and regulations.  

JOB REQUIREMENTS  

Required Qualifications: 

• Education level required: ​Undergraduate Degree (4 years or equivalent)​  Business Administration, Finance, or related field. 

• Minimum experience required: ​4+ Years​ within the Loan Workout/Special Assets field, preferably at an OCC regulated institution.  

Preferred Qualifications: 

• Familiarity with various loan databases

Job Competencies: 

• Excellent knowledge of and ability to interpret loan documentation.
• Computer literate with proficiency in Word and Excel.
• Excellent verbal and written communication skills.
• Excellent organizational skills with ability to multitask.
• Detail oriented and ability to prioritize workload in a fast paced environment.
• Ability to work independently while also collaborating effectively in a team environment.
• Strong financial analysis skills.

• Demonstrates a strong ability to build and maintain effective relationships with stakeholders by communicating clearly, engaging in proactive collaboration, and leveraging cross functional insights. Aligns relationship building efforts with enterprise goals to accelerate performance and drive strategic results. 

• Builds trusted client relationships, whether internal or external, by identifying needs and delivering tailored solutions to enhance the overall client experience.

• Fosters or supports a positive work culture and productive work environment, displaying importance of effective relationships with customers and stakeholders.   

• Physical demands (ADA): ​No unusual physical exertion is involved.​