Experience Inc. Jobs

PRIMARY RESPONSIBILITY:The Portfolio Analyst’s primary responsibilities include all aspects of portfolio analysis related to assigned portfolio loans. Additional responsibilities will include: Detailed independent analysis of financial statements, detailed collateral analysis, detailed analysis of debt service and covenant compliance, review of credit risk rating, borrower and guarantor analysis, assessment of lending risks, clearly identifying offsetting mitigants and summarizing recommendations.  The loan portfolio shall consist of all types of commercial credit facilities including, but not limited to: lines of credit, term notes, permanent owner occupied mortgages, commercial construction and permanent investment CRE mortgages.ESSENTIAL FUNCTIONS:Work closely with the Commercial Banking team in managing the Annual Credit Review process, including preparation of spreads and completing annual reviews as assigned.Track and report using nCino the required financial information per the terms of the Borrower’s approval(s).Report progress on collection of financial information to the Commercial Banking management team.Attend the Bank’s weekly Loan Committee meetings and other credit related meetings as scheduled.Track and then review borrowing base certificates and or covenants to verify the Borrower is within compliance.Review and evaluate Borrower financial information using independent judgment to detect and identify potential problem loans early.Use nCino for the ongoing monitoring and reporting on the Bank’s portfolio.Keep up to date on Bank Policies, Laws and Regulations that govern commercial lending.Active participation and demonstrating skills and abilities in the GRB Experience.Other duties as assigned. EDUCATION AND EXPERIENCE:Bachelor’s degree in a business-related discipline plus a minimum of 3 years related experience within financial services or the commercial banking industry including a minimum of 1-year commercial credit experience, or the equivalent combination of education and experience.Financial statement analysis and credit training required.Thorough knowledge of CRA and Compliance PoliciesCOMPETENCIES:Provide a remarkable client experience. Greet clients with warmth, genuine interest and a smile.Lead by example. Identify current or potential problems, take ownership and see them through to resolution.Act as a unified team. Possess strong interpersonal skills including the ability to proactively communicate with and help others, within and across departments.Ability to work independently. Seek and incorporate feedback on your performance from management, coworkers and clients.Demonstrated PC literacy.Demonstrated attention to detail.Have thorough knowledge of CRA and Compliance Policies. PHYSICAL DEMANDS: The physical demands 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.While performing the duties of this job, the employee is regularly required to use hands or fingers, handle, or feel and reach with hands and arms.  The employee frequently is required to stand, sit, climb or balance, and talk or hear.  The employee regularly is required to walk and stoop, kneel, crouch, crawl, and climb stairs.  The employee must occasionally lift and/or move up to 25 pounds.  Specific vision abilities required by this job include close vision, distance vision, and ability to adjust focus.WORK ENVIRONMENT:  The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job.  The work environment is indoor and climate controlled.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.Genesee Regional Bank is an equal opportunity organization. We recruit, employ, train, compensate, and promote without regard to race, religion, creed, color, national origin, age, gender, sexual orientation, gender identity, marital status, disability, veteran status, or any other basis protected by applicable federal, state or local law.THIS JOB DESCRIPTION IS SUBJECT TO CHANGE AT ANY TIME.

Minimum Salary: 75000 Maximum Salary: 85000 Salary Unit: Yearly