Senior Portfolio Analyst, Renewable Energy – Solar
Job Description:
• Serve as a point of contact for a specified book of clients and as a liaison to internal teams such as loan officers, relationship managers, underwriting, credit, capital markets, closing, operations, and others
• Collect and analyze financial information from assigned accounts throughout the life of the relationship
• Responsible for reviewing and spreading financial statements
• Manage collateral monitoring including asset-based facilities with borrowing bases
• Ensure clients remain compliant with all conditions set forth in the loan documentation
• Use financial models to develop a forward-looking credit risk assessment based on key value drivers and sensitized assumptions
• Assist with distilling portfolio insights into actionable underwriting guidance and assist with hoc analysis to assist with originations Individually or as part of the relationship management team.
• Conduct on-boarding of new clients; may lead meetings and discussions with key stakeholders including client executives, equity sponsors, partner lending institutions, developers, and internal team members
• Manage operational complexity and inquiries from both external and internal stakeholders
• Identify and underwrite loan modifications/amendments/renewals accurately and timely in accordance with bank procedures and policy
• Engage Portfolio Manager, relationship managers, loan officers, and credit team to guide underperforming client accounts
• Identify underperformance and proactively identify root causes that may result in defaults under the loan documents
• Work with internal partners to determine and carry out the appropriate response to underperformance to protect the bank’s interests
• Help prepare and participate in quarterly credit meetings
• Facilitate loan advance requests by working with the client as well as bank legal, credit, and operations departments
• Underwrite and close advance requests under Delayed Draw Term Loan facilities
• Prepare and review annual loan reviews that align with bank and government-guaranteed lending partners as required
• Identify and pursue expanded banking opportunities with clients such as gaining deposit shares or private wealth referrals
• As needed, underwrite new lending opportunities for existing clients
• Stays on top of trends impacting assigned industry verticals and participates in research projects as they arise
• Complete various projects as needed or as assigned by management
• Coach and mentor less experienced team members
• Build out processes and procedures and develop training materials as assigned
• Conduct periodic client visits to obtain enhanced knowledge of clients
• Monitor and ensure that client credit files remain up to date; this will include creating client credit files, setting up reporting and covenant dashboards, and assisting with various reporting requirements
• Prepare and deliver presentations in various department meetings on specific loans recommending appropriate action or structure of credits
• Facilitate third-party engagements including valuations, appraisals, and field exams
• Exhibit a sense of pride in helping clients and teammates achieve their respective goals
• Exercise sound judgment; When needed, ask for help or guidance
• Communicate effectively to set and meet realistic expectations
• Complete additional tasks as needed by the specific lending team the PA supports
• Maintain a high standard of regulatory awareness including BSA, AML, CIP, and OFAC
Requirements:
• Bachelor’s degree in a related field or equivalent work experience of 10 or more years in a bank
• Demonstrated experience in effectively writing/reviewing loan presentations that identify key risks and mitigants as well as conducting cash flow analysis and collateral evaluation
• Strong customer service orientation with attention to detail
• Strong credit and risk management skills with working knowledge of lending policies and procedures
• Working knowledge of loan agreements, loan structuring, and collateral procedures
• Ability to consistently make timely sound recommendations to management while ensuring bank policies and procedures are met.
Benefits:
• Health insurance
• Paid time off
• Professional development
• Bonuses
• Sick leave
Apply Now
Apply Now
• Serve as a point of contact for a specified book of clients and as a liaison to internal teams such as loan officers, relationship managers, underwriting, credit, capital markets, closing, operations, and others
• Collect and analyze financial information from assigned accounts throughout the life of the relationship
• Responsible for reviewing and spreading financial statements
• Manage collateral monitoring including asset-based facilities with borrowing bases
• Ensure clients remain compliant with all conditions set forth in the loan documentation
• Use financial models to develop a forward-looking credit risk assessment based on key value drivers and sensitized assumptions
• Assist with distilling portfolio insights into actionable underwriting guidance and assist with hoc analysis to assist with originations Individually or as part of the relationship management team.
• Conduct on-boarding of new clients; may lead meetings and discussions with key stakeholders including client executives, equity sponsors, partner lending institutions, developers, and internal team members
• Manage operational complexity and inquiries from both external and internal stakeholders
• Identify and underwrite loan modifications/amendments/renewals accurately and timely in accordance with bank procedures and policy
• Engage Portfolio Manager, relationship managers, loan officers, and credit team to guide underperforming client accounts
• Identify underperformance and proactively identify root causes that may result in defaults under the loan documents
• Work with internal partners to determine and carry out the appropriate response to underperformance to protect the bank’s interests
• Help prepare and participate in quarterly credit meetings
• Facilitate loan advance requests by working with the client as well as bank legal, credit, and operations departments
• Underwrite and close advance requests under Delayed Draw Term Loan facilities
• Prepare and review annual loan reviews that align with bank and government-guaranteed lending partners as required
• Identify and pursue expanded banking opportunities with clients such as gaining deposit shares or private wealth referrals
• As needed, underwrite new lending opportunities for existing clients
• Stays on top of trends impacting assigned industry verticals and participates in research projects as they arise
• Complete various projects as needed or as assigned by management
• Coach and mentor less experienced team members
• Build out processes and procedures and develop training materials as assigned
• Conduct periodic client visits to obtain enhanced knowledge of clients
• Monitor and ensure that client credit files remain up to date; this will include creating client credit files, setting up reporting and covenant dashboards, and assisting with various reporting requirements
• Prepare and deliver presentations in various department meetings on specific loans recommending appropriate action or structure of credits
• Facilitate third-party engagements including valuations, appraisals, and field exams
• Exhibit a sense of pride in helping clients and teammates achieve their respective goals
• Exercise sound judgment; When needed, ask for help or guidance
• Communicate effectively to set and meet realistic expectations
• Complete additional tasks as needed by the specific lending team the PA supports
• Maintain a high standard of regulatory awareness including BSA, AML, CIP, and OFAC
Requirements:
• Bachelor’s degree in a related field or equivalent work experience of 10 or more years in a bank
• Demonstrated experience in effectively writing/reviewing loan presentations that identify key risks and mitigants as well as conducting cash flow analysis and collateral evaluation
• Strong customer service orientation with attention to detail
• Strong credit and risk management skills with working knowledge of lending policies and procedures
• Working knowledge of loan agreements, loan structuring, and collateral procedures
• Ability to consistently make timely sound recommendations to management while ensuring bank policies and procedures are met.
Benefits:
• Health insurance
• Paid time off
• Professional development
• Bonuses
• Sick leave
Apply Now
Apply Now