"Alerted.org

Job Summary:

Responsible for loan monitoring including all internal and external reporting requirements, company/borrower information and all relevant events. Responsible for supporting responses/ resolutions for internal and external customers and aiding the overall departmental workflow. Responsible for the maintenance of the Loan Portfolio documentation and for providing support to the SAG/ Credit departments as detailed below. Responsible for SAG/REO monitoring and handling.

Essential Responsibilities:

+ Coordinates with both internal and external parties as it relates to portfolio management process.

+ Provide weekly overview of Portfolio and preparation of reports not limited to monitoring portfolio for past dues, potential non-performing loans, delinquent borrowers; follow on past due covenants related to technical exceptions and annual reviews.

+ Request and follow-up on pending and missing documents, legal and other documentations supporting credit assets.

+ Assist with preparation of CAMs and Spreads using Ncino system. Acquire working knowledge of credit analysis/underwriting

+ Act as a liaison between Portfolio management/Credit administration and internal support department and clients.

Special assets assistance:

+ Interact with investors, brokers, loan offices, and attorneys with the sale distressed assets and portfolio not limited to providing loan document information, monitoring sales and the closings, process and keep track of deficiency

+ Judgements’ generation of defaults letters, manage assigned portfolio of non-performing assets in conjunction with the assigned attorney; attend meditations and/or depositions. Coordinate with First Bank Florida attorney in negotiating; Preparing and reviewing Stipulation/Forbearance Agreements; manage all incoming bank REOs.

+ Update reports: SAG Status update report and ensures update in Premier Collection, REO status inventory report, Portfolio Management report, and deficiency report.

+ Prepare Datamart validation and certification as well as TDR reporting.

+ Assist with review of modification of cases (Hardship and Non-hardship), generate loss mitigation letters

+ Assists with follow-up with various action plans that transpire from the regulatory, audit and/or loan review examinations.

+ Backup for the review and maintenance of the Credit reports, New Money Approved/Closed & funded, Commercial & Consumer-Residential or other as requested

+ Backup for CRA monthly report submission.

+ May serve as back up for ordering of residential appraisals and update of log.

+ Support for Commercial Appraisal/ Appraisal review tracking.

+ Assist with loan processing as needed.

+ Support special project and/ or audits as needed

Other Responsibilities:

+ Perform/ Assist with Check request, payment of invoices and GL reconciliations

+ Process deficiency payments

+ Review the monthly covenant report for accuracies, changes and updates,

+ Review ONBASE system file upload accuracy.

Independence of Judgment:

Exercises a moderate degree of discretion and judgment. Works within assigned parameters always consulting supervisor on variances or situations where decision making is required.

Supervisory Responsibilities:

This job has no direct supervisory responsibilities.

Impact of Errors:

The impact of errors of this position could affect essential activities of administrative, operational or business nature that have a considerable economic impact.

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.

Specific vision abilities required by this job include close vision and distance vision. While performing the duties of this Job, the employee is regularly required to sit; use hands to finger, handle, or feel and talk or hear. The employee is occasionally required to standard walk. May be required to lift and move boxes or packages not exceeding 10 pounds in weight.

Work Environment

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Employees in this job work in an office environment with a comfortable room temperature, good lighting, and quiet conditions. May be exposed to external elements when visiting other bank premises, government agencies, etc., as needed.

Competencies

+ The competencies detailed below are the behaviors to be exhibited by the incumbent while performing his/her duties as relates to our corporate values, culture and philosophy.

+ Strong analytical and problem-solving skills

+ Well-developed written communication and verbal presentation skills.

+ Able to handles stress, flexible working hours.

+ Attention to details.

+ Good communication skills

+ Customer service oriented

Minimum Requirements

Bachelor's in business, finance or related field or relevant experience. Minimum of 3-5 years of experience working in a financial institution setting with knowledge of the loan documentation, financial information and or equivalent combination of education and experience sufficient to successfully perform the essential functions of the job is required. Microsoft Office proficient (Word, Excel, PowerPoint). Customer Service oriented. Available to work overtime, when required. Ability to manage multiple priorities, organize daily tasks and meet deadlines in a high-volume environment.

Disclaimer

The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not indented to be an exhaustive list of all responsibilities, duties, skills required of personnel so classified. The reporting relationship may not reflect the most recent changes to the corporate reporting structure.

EQUAL EMPLOYMENT OPPORTUNITY EMPLOYER