ALC Analyst

Our credit administration team is the backbone of our bank's financial stability. They expertly navigate the intricacies of credit risk management, maintaining the highest standards of our loan portfolio with a disciplined approach. By safeguarding asset quality and curbing credit losses, this dynamic team is pivotal in driving the bank's success and achieving our overarching goals.

The ALC Analyst is primarily responsible for analyzing loans secured by accounts receivable and inventory in order to monitor, report, and control the advances on loans governed by borrowing bases. This position is also responsible for reporting exceptions and out of compliance issues to the Asset Lending Control Director, Relationship Manager, Lending Dept. Manager, and Credit Concurrence Officer, preparing monthly borrowing base status reports; training of new analysts; training and assisting Relationship Managers and customers in borrowing base procedures providing information regarding the pledged collateral, short term business trends, internal controls of a company, and management quality.

Our team thrives on precision, integrity, and collaboration. We prioritize proactive risk management and teamwork, creating a supportive environment for professional and personal growth. This meticulous and collaborative approach ensures high standards of performance and reliability in every aspect of our work.

• You will analyze accounts receivable aging, settlement statements, and borrowing base certificates to accurately establish and maintain customer borrowing bases.
• You will monitor advance activity, review overadvance reports, and collaborate with Credit Services to reduce overadvancing and report compliance issues.
• You will identify discrepancies and negative trends in borrowing base data and work with Relationship Managers to resolve customer issues.
• You will support onsite field exams and inventory inspections by verifying collateral and evaluating liquidity, cash flow, controls, and business trends.
• You will coordinate monthly and quarterly borrowing base reporting for senior leadership, committees, and audit tracking.
• You will maintain records and process REGIS transactions related to field exam fees and audit status.
• You will train new analysts and Relationship Managers while supporting loan reviews, field exams, and special asset teams with borrowing base expertise.

This level of knowledge is normally acquired through completion of a Bachelor's Degree in Business or related field of study and 3 years of experience in asset lending related function OR equivalent work related experience of 5-8 years.

• Basic working knowledge and understanding of accounting and credit principles, lending functions, and loan analysis
• Thorough understanding and application of the Bank's commercial asset lending policies and procedures
• Good PC and spreadsheet software skills
• Excellent oral and written communications skills
• Customer contact/interpersonal skills