Loan Portfolio Analyst I, II Or III

Great employees are essential to maintaining the confidence our customers place in us. FGB believes that our employees are our greatest asset as demonstrated in their professionalism and dedication. We encourage open communication and strive to cultivate an environment in which our employees will contribute new ideas and innovations that will help us excel. As we grow, we want YOU to join our team to help fulfill our mission of serving the banking needs in our local communities.

Our full-time employees are eligible for amazing benefits including medical, dental, vision, and basic life/AD&D insurance, prescription drug benefits, long term disability, and salary continuance (short-term disability). In addition, they get paid holidays, paid vacation and sick leave, a tuition reimbursement program, 401k, section 125 cafeteria plan, and the opportunity to earn FGB stock grants. Apply today to enjoy these benefits and more!

Position Summary

Conducts analysis of the bank's loan portfolio by reviewing the portfolio for concentrations of credit, stress testing loan pools, identifying reserve requirements for loan pools, and conducting audits of loan underwriting and analysis. Prepares detailed reports and presentations for review by all levels of management. Consolidates a wide range of data and monitors the actual results of plans and forecasts. Provides financial analyses of various banking data.

Essential Duties and Responsibilities

• Calculate the bank's Allowance for Loan and Lease losses on a monthly basis to determine reserve requirements. This calculation entails the following:
• Communication with Reporting Analyst to obtain necessary reports
• Sort report data into homogeneous pools of loans
• Calculate reserve rates, impairments, and qualitative and quantitative measures (quarterly)
• Prepare final summary report for review and discussion with management
• Prepare all supporting reports to be submitted to the Board of Director's
• Finalize all reports into a binder for review by Loan Review, Internal Audit, and External Audit
• Create monthly loan concentration reports based on the bank policy to identify any potential areas of excess concentration.
• Create quarterly stress testing reports based on bank policy to simulate possible impacts to various loan pools and the effect on the bank
• Audit of loans with relationships below $100,000 to ensure that underwriting and exceptions are properly documented
• Create specialized forecast models for key concentrations designated by management.
• Create and present Criticized Assets Reports on a quarterly basis to the Criticized Assets Committee
• Provide support to the Finance Department when reporting the Call Report, 10Q, and/or 10K.
• Create quarterly investment binders to include identified reports by the CCO
• Provide support to the CECL transition and CECL Committee
• Perform credit references as needed
• Provide support for ad-hoc reporting that management requires or deems necessary
• Provide documented support to internal auditors, external auditors, loan review, etc.
• Various other reports as identified by management (i.e. SBLF reporting)
• Adheres to the BSA Policy and all other Bank Policies.
• Other duties and responsibilities as may be assigned by supervisor.

Minimum Qualifications (Education, Experience, Skills)

• Degree in business related major (i.e. accounting, finance, etc.)
• Basic understanding of Portfolio Theory and analysis techniques
• Applicable working knowledge of the banking industry preferred
• Understanding of net present value and basic finance concepts
• Minimum of two years of experience in a loan related area with an emphasis in credit analysis or bank accounting
• Proficient in the use of Microsoft Word and Microsoft Excel
• Strong oral and written communication skills and time management skills required
• Strong analytical math and problems solving skills
• Ability to work under stress and meet deadlines
• Keen attention to detail
• Ability to travel (

Physical Demands and Work Environment

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the functions. While performing the duties of this position, the employee is regularly required to talk and hear. The employee frequently is required to use hands or fingers, handle, or feel objects, tools or controls. The employee is occasionally required to stand; walk; sit; reach with hands and arms; climb or balance; and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this position include close vision, distance vision, color vision, peripheral vision, and the ability to adjust focus. The noise level in the work environment is usually moderate.

This job description in no way states or implies that these are the only duties to be performed by the employee(s) incumbent in this position. Employees will be required to follow any other job-related instructions and to perform any other job-related duties requested by any person authorized to give instructions or assignments. All duties and responsibilities are essential functions and requirements and are subject to possible modification to reasonably accommodate individuals with disabilities. To perform this job successfully, the incumbents will posses the skills aptitudes and abilities to perform each duty proficiently. Some requirements may exclude individuals who pose a direct threat or significant risk to the health or safety of themselves or others. The requirements listed in this document are the minimum levels of knowledge, skills or abilities. This document does not create an employment contract, implied or otherwise, other than an "at will" relationship.