Manage a loan portfolio including SBA loans and/or other government guaranteed loans with moderate complexity and potential for adversarial litigation.
Review and analyze loan documentation, financial statements and other similar loan and borrower information to assess risk, quantify repayment capacity, consider the adequacy of repayment sources and/or estimate recovery potential.
Develop, recommend and implement workout/liquidation strategies for problem loans including past due, underperforming, non-performing, and charged-off loans to mitigate risk and maximize recovery.
Adhere to department and corporate guidelines, policies and compliance procedures.
Maintain constructive interaction with regulators.
Work with other professionals such as appraisers, environmental consultants, auctioneers, real estate brokers and property managers to maximize return on collateral secured loans.
Support departmental continuous improvement efforts.
Periodically travel to meet with clients or view collateral.
Participate in community service activities.
Participate in the Quarterly Asset Quality Review process and produce timely documentation as required.
Work with bank counsel in a cost-effective manner to achieve desired results.
Requirements
High School Diploma or equivalent.
Four to five years of related experience.
Financial statement analysis experience, four to five years.