AVP Asset/Loan Portfolio Manager

POSITION SUMMARY
Manage a mixed portfolio of Commercial Real Estate (CRE), Multi-family (MF), and Commercial and Industrial/Investment (CandI) loans. Perform annual credit reviews and site inspections; identify possible risks, recommend and implement loan workout strategies and loan modifications, collateral releases, and identify possible risks. Will also recommend and implement loan workout strategies.
RESPONSIBILITIES AND ACCOUNTABILITIES
Essential job functions include but are not limited to:

• Perform analysis on various types of financial statements and reports, to evaluate property's cash flow position and borrower/guarantor's financial soundness;
• Conduct internal collateral evaluation utilizing current market data;
• Conduct fair value analysis as well as impairment test;
• Form action plans to actively manage assets and follow through with actual resolution;
• Perform inspections.
• Prepare credit memoranda that accurately present pertinent credit risks and make classification recommendations;
• Prepare information for the Allowance for Loan Losses Summary Report.
• Must have strong negotiation skills and the ability to handle complex credits and borrower situations. Evaluate existing borrower credit requests within established performance standards.
• Maintain compliance with the bank's policies and procedures and regulatory requirements in order to achieve satisfactory ratings from internal and external auditors.
• Participate in various projects as needed.

MINIMUM QUALIFICATIONS :

• B.A. Business Administration with Finance emphasis or equivalent Minimum 5+ years experience in credit risk management and/or workout of multifamily and commercial real estate loans;
• Experience and demonstrated technical skill and knowledge in the following areas: Income property loan underwriting including property cash flow analysis, complex global relationship review, financial statements analysis of borrower and guarantor, collateral evaluation modules and credit review write-up;
• Experience and knowledge in loan classification, fair value analysis, accounting and regulatory guidelines associated with classified credits;
• Experience and knowledge of legal proceedings including foreclosure and bankruptcy proceedings;
• Thorough understanding and experience in various types of loan workouts.
• Strong problem solving and analytical skills
• Strong negotiation skills and the ability to handle complex credits and borrower situations
• Excellent written and oral presentation skills
• Ability to organize and work concurrently on multiple projects
• Proficient in the use of software including Excel and Word
• Strong communication skills, both written and verbal
• Self-starter and must be able to work efficiently in a fast paced and changing environment

The Bank is in full compliance with the Americans with Disabilities Act (ADA) and does not discriminate with regard to applicants or employees with disabilities, and will make reasonable accommodation when necessary.
OneUnited Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status, or any other legally protected status.