דרושים Fam Specialist ב-Bank Of America ב-United States, Saint Louis

The AB (Asset-Based) Portfolio Specialist manages a portfolio of asset-based structured loans in a variety of industries. The AB Portfolio Specialist is responsible for actively monitoring financial and collateral trends and recommending appropriate action. Responsibilities also include reviewing requests for loan modifications, analyzing financial performance, negotiating terms, drafting proposals, reviewing documents, and preparing recommendations for approval.

Responsibilities:

• Build trust and strong relationships and proactively drive engagement with Underwriting, Credit Executive and Client team partners.
• Spread and analyze complex financial information, including Personal Financial Statements, Brokerage statements, Personal Tax Returns and Schedule K-1s, Business financials, etc. for high-net-worth clients.
• Accurately risk rate clients using regulatory definitions, good credit judgement and the Risk Rating Scorecard tool.
• Effectively and concisely communicate spreading and risk ratings outcomes with key business partners.
• Understand and leverage tools, systems, and applications used in day-to-day functions such as Excel, Outlook, GUS, Loan IQ, EDR, Risk Rating Scorecard, etc.
• Understand and accurately apply risk rating scorecard and spreading guidance.

Required Qualifications:

• Experience: 3–5 years in credit analysis, accounting, financial analysis, or a closely related credit risk role, including financial covenant testing and the ability to interpret and apply Commercial credit agreement terminology and concepts.
• Policies and Procedures: 2+ years of credit analysis experience with Commercial credit policies and procedures
• Technical Skills: Proficient in interpreting various Commercial loan documents.
• Credit Analysis: Strong working knowledge of commercial loan structures and financial statement analysis, including personal financial statements, brokerage statements, rent rolls, and NOI statements; ability to identify and escalate early signs of credit deterioration, within the Commercial credit structure.
• Operational Support: Exposure to GMS/Tableau reporting, documentation management, and process improvement.
• Project Coordination: Capable of independently running analysis on credit supported small projects and streamlining team operations.
• Systems Knowledge: Working proficiency with Commercial loans, collateral, client data and workflow systems along with SharePoint, and Adobe Acrobat.

Desired Qualifications:

• Bachelor's degree in Accounting, Finance or equivalent experience
• System knowledge of LIQ, PACE, GMS, GUS, EDR, Genesis, Image Trust, Navigator, SharePoint , KYC, Adobe Acrobat Standard

Skills:

• Attention to Detail
• Client Management
• Decision Making
• Underwriting
• Credit Documentation Requirements
• Critical Thinking
• Portfolio Management
• Problem Solving
• Written Communications
• Financial Analysis
• Negotiation

High School Diploma / GED / Secondary School or equivalent

Required Qualifications:

• Consumer and/or commercial loan experience

• Excellent written and verbal communication skills

• Strong organizational and multi-tasking skills

• Ability to work in a team environment

• Detail-oriented

• Proficient with MS Office (Word, Excel, PowerPoint)

• Work well under time constraints

Desired Qualifications:

• GWIM Credit Policy and Procedure knowledge

• Wire transfer knowledge

• Knowledge of GFS, LoanIQ, EDR, Tradeline and QAPR database

Skills:

• Attention to Detail

• Legal Structures and Legal Forms

• Data Collection and Entry

• Oral Communications

• Prioritization

• Recording/Organizing Information

• Written Communications

• Business Acumen

• Critical Thinking

• Customer and Client Focus

• Quality Assurance

• Risk Management

High School Diploma / GED / Secondary School or equivalent

Required Qualifications:

• Consumer and/or commercial loan experience

• Excellent written and verbal communication skills

• Strong organizational and multi-tasking skills

• Ability to work in a team environment

• Detail-oriented

• Proficient with MS Office (Word, Excel, PowerPoint)

• Work well under time constraints

Desired Qualifications:

• GWIM Credit Policy and Procedure knowledge

• Knowledge of GFS, LoanIQ, EDR, Tradeline and QAPR database

Skills:

• Attention to Detail

• Legal Structures and Legal Forms

• Data Collection and Entry

• Oral Communications

• Prioritization

• Recording/Organizing Information

• Written Communications

• Business Acumen

• Critical Thinking

• Customer and Client Focus

• Quality Assurance

• Risk Management

High School Diploma / GED / Secondary School or equivalent

Job Description:

Job Description:
Financial Analysis & Monitoring (FAM) Specialist is responsible for monitoring and managing the credit quality and data integrity of assigned GWIM credit relationships to facilitate a sound credit portfolio.

Responsibilities:

• Responsibilities include the timely delivery of technically accurate spreads and risk rating scorecards using in-depth analysis of personal financial statements and tax returns to ensure the timely follow-up of loan monitoring activities and annual exposure reviews
• Responsible for preparation of IFARS and FARS as assigned.
• Provides additional credit support to underwriting teams as requested
• Responsible for monitoring and managing the credit quality and data integrity of assigned GWIM credit relationships to facilitate a sound credit portfolio

Skills:

• Attention to Detail
• Financial Accounting
• Financial Analysis
• Oral Communications
• Prioritization
• Problem Solving
• Written Communications
• Analytical Thinking
• Collaboration
• Critical Thinking
• Data Management
• Underwriting

Required Qualifications:

• 2 + years of commercial banking, private banking, leasing or finance industry
• Strong Written and Verbal Communication skills
• Well organized and able to work independently, manage multiple assignments, produce accurate work and meet deadlines
• Strong Leadership and Teamwork and ability to work with others
• PC Proficiency including Excel, Word, Outlook and other applications

Desired Qualifications:

• Bachelor’s Degree in, Business Administration, Finance, Accounting, or Economics or equivalent experience

• 2 + years of commercial or private banking underwriting, credit analysis or finance industry

• Working knowledge of financial balance statements and tax returns

Minimum Education Requirement:High School Diploma / GED / Secondary School or equivalent

Job Description:

Job Description:

∙ Excels in working among diverse viewpoints to determine the best path forward

Required Skills:

• Prior consumer and/or commercial loan documentation knowledge;

• Excellent written and verbal communication skills;

• Strong organizational and multi-tasking skills;

• Ability to work in a team environment;

• Detail oriented; PC literate – Microsoft Office;

• Must work well under time constraints.

• Legal Structures and Legal Forms

• Attention to Detail

Desired Skills:

• Paralegal
• Loan IQ
• Loan doc prep

High School Diploma / GED / Secondary School or equivalent