The bank for a changing world

We are looking for

Portfolio Analyst

Apply REF: 045542

At Bank of the West, our people are having a positive impact on the world. We’re investing where we feel we can make the most impact, like advancing diversity and women entrepreneurship programs, financing for more small businesses, and promoting programs for sustainable energy. From our locations across the U.S., Bank of the West is taking action to help protect the planet, improve people’s lives, and strengthen communities. We are part of BNP Paribas, a global leader supporting the UN Sustainable Development Goals (SDGs). Yes, we’re a bank, but as the bank for a changing world, we are continually seeking to improve the ways we help our customers, while contributing to more sustainable and equitable growth.

Job Description Summary

Responsibilities include analysis on performance of borrowers and/or a segmentation of borrowers, developing and implementing tracking systems and reports regarding current and upcoming maturities, covenant compliance, delinquencies, etc. May develop and prepare analytical reports for projects, and provide input for development and execution of business initiatives. Assists partners and management by providing all support as requested in order to advance achievement of Department and Division goals.

Essential Job Functions

  • Supports CBG business development, notably by participating in business development initiatives (risk assessment, prospect screening, and operational setup)
  • Responsible for ongoing risk management of all CBG portfolios, including portoflio reporting, and internal control on portoflio maintenance preparing the reports which assist Management in properly monitoring the portfolio. These reports would include the following:, delinquency, payments, and convenant compliance requirements.
  • Obtains information from Bank’s systems of record (AFS, Infolease, etc) as necessary to provide support and correct/clarify information.
  • Produces and manages periodic and special department-wide reports as requested, ensuring that all reports are accurate and timely.
  • Obtains data and performs analysis and testing required for purposes such as activity monitoring, borrower information, compliance, and/or regulatory reporting.

Other Job Duties

  • Participates, as directed, in internal and external loan reviews
  • Maintains a working knowledge of the bank's lending policies, procedures, and philosophies toward various types of commercial/business loans. Participates and contributes to revisions of the lending policies.
  • Performs other duties as assigned.

 

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Required Experience

  • Requires 5 years minimum prior relevant experience.
  • Must have strong interest in commercial credit. Initial level of experience in the field is a plus. Good Excel skills required.   
  • Excellent written and verbal communication skills for report/analysis writing, client interaction, and methodology documentation.
  • Strong analytical and problem-solving skills coupled with thoroughness and attention to detail is highly desired.


Education

  • Associate's Degree Accounting, Finance or Economics

Skills
  • Experience in the internal processes of the Bank Proficient in the following software applications: MS Word, Excel, Outlook, Siebel Financial statement input and analysis training and experience.

CBG
  • Supports CBG business development, notably by participating in business development initiatives (risk assessment, prospect screening and operational setup)
  • Responsible for ongoing risk management of all CBG portfolios, including portfolio reporting, and internal control on portoflio maintenance preparing the reports which assist Management in properly monitoring the portfolio. These reports would include the following:, delinquency, payments, and covenant compliance requirements.
  • Obtains data and performs analysis and testing required for purposes such as model building, activity monitoring, borrower information, compliance, and/or regulatory reporting.
  • Maintains a working knowledge of the bank's lending policies, procedures, and philosophies toward various types of commercial/business loans. Participates and contributes to revisions of the lending policies.

Equal Employment Opportunity Policy

Bank of the West is an Equal Opportunity employer and proud to provide equal employment opportunity to all job seekers without regard to any status protected by applicable law. Bank of the West is also an Affirmative Action employer - Minority / Female / Disabled / Veteran.

Bank of the West will consider for employment qualified applicants with criminal histories pursuant to the San Francisco Fair Chance Ordinance subject to the requirements of all state and federal laws and regulations.
Primary Location: United States-California-San FranciscoJob Type: Full-timeJob: Risk Management