Senior Analyst / Associate, Portfolio Management

About The Role

COMPANY CULTURE: We are a dynamic, high energy, fun, and fast-paced organization that has an exciting growth trajectory, meaningful mission, and embedded responsible practices into our daily interactions. We offer our team members a culture of collaboration, inclusion, flexibility, recognition, and giving back. We look to hire individuals that are passionate about our mission, and who are motivated, customer and results-oriented, innovative, adaptable, and thoughtful.

COMPANY MISSION: We are a mission-driven institution. We operate a sound dynamic institution that is well capitalized, liquid, profitable and uses best practices to manage risk and assure compliance with laws and regulations. We use Forbright’s capital, capabilities, innovation, and expertise to help our clients succeed and contribute broadly to building a brighter future.

JOB SUMMARY: The Associate is part of the team managing credit risk by tracking borrower and loan performance, utilizing a scalable portfolio monitoring infrastructure. This role entails collaboration with team members and internal and external stakeholders to ensure consistency across the portfolio.

DUTIES AND RESPONSIBILITIES

Manage portfolio credit risk, ensuring that asset quality remains strong, and executing strategies to limit the risk of loss

Monitor operating performance, financial condition, and credit risk for assigned borrowers to proactively identify issues and resolve problems in a timely and effective manner

Manage day-to-day borrowing activity of assigned asset-backed loan (ABL) investments pursuant to Bank policies and procedures

Perform financial analysis on reporting provided by borrowers, tracking the trends and developments which may impact loan performance

Model financial projections to assess a borrower’s ability to repay its loan under various economic scenarios

Work in conjunction with Portfolio Managers to prepare loan underwriting and modification approval write-ups to present to the loan committee

Assist in the development and utilization of a portfolio wide financial spreading model and a system to track borrower financial deliverables

Assist with the risk rating, criticized asset management, and review processes for assigned borrowers

Prepare appropriate and timely reporting to senior management on borrower and portfolio performance, effectively communicating identified credit risks and recommended actions

Actively manage upcoming loan maturities, past dues, and credit quality in conjunction with Portfolio Managers and Loan Operations for assigned borrowers. Ensure loan documentation and credit files are updated and maintained in a timely fashion

Assist with the independent review of appraisals and other third-party reports

Ensure all reporting is accurately saved pursuant to Bank policies and procedures

Ensure integrity of data entry and reporting system accuracy for assigned investments

Actively participate in portfolio management and risk rating meetings; reporting on underlying investment performance; increased or decreased risk factors; and changes in performance from origination

Assist in ongoing recruiting, onboarding and training of Analysts

Participate in site visits to clients to support ongoing due diligence and credit monitoring efforts

Maintain compliance with all legal and regulatory requirements

Complete special projects and duties on an ad-hoc basis

QUALIFICATIONS

Associate’s Degree required; Bachelor’s Degree preferred

Mininum of 2 years of experience in a portfolio management, credit analysis, loan underwriting, public accounting, corporate FP&A, structured finance, and/or leveraged finance role required

Proficiency with Microsoft Office tools (Outlook, Word, PowerPoint, Excel)

Excellent verbal, written, and interpersonal communication skills

Strong organizational skills and attention to detail

Outstanding problem-solving and time management skills

Self-motivated, self-directed, and results-oriented

Adaptable and able to multitask in a fast-paced environment

Can work independently and within a team; solution-oriented with a collaborative approach

Strong financial statement analysis skills with a firm grasp of accounting and finance matters

High proficiency with Excel based modeling

Outstanding quantitative and qualitative analytical skills