Sr. Loan Review AnalystFlushing Bank - Uniondale, NY
General Statement of Duties
Responsible for review of commercial real estate loans to ensure credit quality conforms to established company policy and regulatory guidelines. Identify potential problem loans and assign a risk rating describing deficiency and probability of loan repayment. Loan review will include, but is not limited to, an analysis of the property operating statement, rent roll, lease agreements, cash flow, collateral position, site inspection, appraisal, guarantor financial statements, and portfolio cash flow.
Major Duties and Responsibilities:
1.Promptly identify loans and relationships having potential credit weaknesses in order to assure that credit/loan losses are minimized, capital is preserved, and to validate the accuracy of the risk ratings.
2.Prepare classified/criticized individual loan report summarizing credit exposure.
3.Collect current property financial information and prepare loan review report detailing property cash flow, estimated value and market conditions affecting collateral.
4.Identify, measure, control and follow up on internal and external risk factors affecting credit transactions.
5.Prepare presentations, reports, charts and special assignments for presentation by management at corresponding committees.
6.Visit individual sites, when appropriate, to evaluate physical collateral as requested by management.
7.Prepare weekly and monthly status reports for management review.
8.Coordinate data collection and evaluations of credit quality of commercial loans, and present loan review information and report to management.
9.Recommend, based on perceived risk, changes to policy/procedures to ensure a sound quality of the loan portfolio.
10.Contact real estate appraisers to discuss property specific issues and related market conditions.
11.Provide other assistance as needed.
•Minimum 5 years of banking and/or financial services experience in commercial real estate
•Property appraisal and/or appraisal review experience preferred
•Familiarity of local real estate markets
•Ability to work independently on multiple tasks
•Excellent quantitative and qualitative analytical skills
•Demonstrate strong organizational and time management skills
•Ability to exercise discretion and independent judgment with respect to credit ratings
•Excellent written and verbal communication skills, problem solving abilities and ability to manage projects effectively
•Strong computer skills in banking programs as well as Microsoft Office products
•Ability to prepare quality financial presentations
•Advanced knowledge of applicable banking regulations
•Bachelor's degree in business, accounting, or finance related field preferred
Flushing Bank offers a competitive compensation package including medical, dental, vision, 401K, Defined Contribution Retirement Program, Profit Sharing, GTLI, FSA & vacation benefits.
10 days 8 hours ago
applySr. Loan Review Analyst Flushing Bank - Uniondale, NY, United States
Flushing Financial Corporation, with $4.3 billion in consolidated assets, is the parent holding company for Flushing Savings Bank, FSB. Flushing Bank is a trade name of Flushing Savings Bank, FSB, a federally chartered stock savings bank insured by the Federal Deposit Insurance Corporation. The Bank serves consumers and businesses by offering a full complement of deposit, loan, and cash management services through its sixteen banking offices located in Queens, Brooklyn, Manhattan, and Nassau County. The Bank also operates an online banking division, iGObanking.com®, which offers competitively priced deposit products to consumers nationwide. Flushing Commercial Bank, a wholly-owned subsidiary, provides banking services to public entities including counties, cities, towns, villages, school districts, libraries, fire districts and the various courts throughout the metropolitan area.
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