דרושים Operations Analyst ב-Bank Of America ב-United States, Saint Louis

Job Description:

Job Description:

This job is responsible for analyzing the day-to-day issues, researching, and providing resolution for various issues identified within a business unit. Key responsibilities include supporting defined procedures, routine analytics, and creating reports and completing exception processing.

LOB specific Job Description:

Responsible for the day-to-day analysis, research and resolution of varied problems regarding loan processing. Functions include payment/advance processing, detailed research, system of record updates, communicating with Client Teams. Potential for project work based on experience. Incumbents have full working knowledge of operations environment acquired through experience in an operations environment and on the job training. Individuals typically have 2 to 4 years of experience.

Responsibilities:

• Assists with coordination of implementation for products, services, and operational solutions

• Supports the design, documentation, implementation, and monitoring of new products and services

• Provides guidance regarding procedural, technical, and operational changes

• Expands business products knowledge within operations environment

• Builds network by developing relationships with partners and teammates

• Inspects data to identify issues and trends

• Collects and interprets data to validate operational processes

LOB Specific Responsibilities:

• Account reconciliation of LIQ
• Responsible for the day-to-day analysis, research and resolution of varied loan problems
• Posting of transactions to customer accounts
• Monitoring and clearing items rejected from systems and automated processes
• Performing maintenance to customer accounts
• Monitoring ticklers and taking appropriate action
• Inputting and balancing batch work to the loan system
• Provide specialized processing support
• Answering 800 line to assist the line partners with issues and providing prompt service for resolution

Required Qualifications:

• 1 year or more experience with Commercial credit servicing
• Loan IQ experience
• Experience with manage pipeline queues and meet established business metrics.
• Credit Center experience
• Extreme attention to detail in terms of research items such as letter of Credit, Interest and Fess, settlements and Loan documents

• Ability to multi-task, navigate technology easily, manage pipeline queues and meet established business metrics.

• Required Hours:9:00 - 6:00pm

Skills:

• Attention to Detail

• Customer and Client Focus

• Data Collection and Entry

• Prioritization

• Written Communications

• Analytical Thinking

• Collaboration

• Oral Communications

• Recording/Organizing Information

• Issue Management

• Legal Structures and Legal Forms

• Policies, Procedures, and Guidelines Management

Minimum Education Requirement:

• High School Diploma / GED / Secondary School or equivalent

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