MFD Loan Analyst

The MFD Portfolio Analyst (PA) is responsible for interfacing with multifamily clients and internal bank departments as the primary point of contact. The PA troubleshoots issues that surface and works to resolve as appropriate to ensure a good client facing experience while protecting the Bank's interests. The PA also seeks out referral opportunities to deepen client relationships with the Bank.

Responsibilities

Interface with multifamily clients and internal bank departments as the primary point of contact; Troubleshoot issues that surface and resolve them to ensure a good client experience while protecting the Bank's interests; Seek out referral opportunities to deepen client relationships with the Bank; Manage and monitor a large multi-family loan portfolio by analyzing financial data and making formal recommendations and presentations to ISF Manager; Collect property data, title reports, rent rolls, operating statements, financial statements and entity documents; Proactively analyze financial statements by identifying trends, weaknesses, and industry comparisons as part of loan review functions; Prepare pre-flights on assumption and new business requests consistent with Bank guidelines, regulations, and business needs; Monitor loan repayment activities and borrower financial condition, collect past due accounts, and confirm ongoing repayment ability; Work closely with the Central Portfolio Servicing Team to maintain business financial files within the multifamily loan portfolio; Work with the Loan Servicing Support Team to resolve errors and address loan upgrades and downgrades; Coordinate with Clients to keep ACH, monthly statements, and customer data updated and accurate; Notify and coordinate with Clients on upcoming rate adjustments and refer deposit and loan opportunities to appropriate divisions; Demonstrate compliance with all bank regulations for assigned job function and keep up to date on regulatory changes; Follow all Bank policies, procedures, compliance regulations, and complete required training; Maintain working knowledge of Bank Secrecy Act, Regulation CC, Regulation E, Regulation B, Bank Security and other applicable regulations; May coach, mentor, or train others and teach coursework as subject matter expert; Actively learn, demonstrate, and foster the Columbia corporate culture; Take personal initiative and embrace the vision to become "Business Bank of Choice"; May perform other duties as assigned

Requirements

2-4 years of related portfolio management experience (Required); Intermediate knowledge and understanding of income producing real estate and applicable real estate laws, notes, and deeds of trust; Proficient with analysis of financial statements, operating statements, leases, rent rolls, and tax returns; Proficient in math and techniques involved in analysis of income property financial data; Intermediate knowledge of loan underwriting criteria for multifamily real estate established by institutional lenders, including Columbia Bank; Possesses strong analytical, organizational, interpersonal, and customer service skills; Excellent written and verbal communications skills required; Advanced multi-tasking skills required; Proficient in word processing, spreadsheets, email, and industry specific software (Word, Excel, Outlook, and Streets & Maps preferred); Occasional travel

Nice to have

Experience with Streets & Maps software; Experience with Word, Excel, and Outlook

Benefits

Comprehensive healthcare coverage (medical, dental, and vision plans); 401(k) retirement savings plan with employer match; Employee assistance program; Life insurance; Disability insurance; Tuition assistance; Mental health resources; Identity theft protection; Legal support; Auto and home insurance; Pet insurance; Access to an online discount marketplace; Paid vacation, sick days, volunteer days, and holidays