FBL Analyst II

  • Competitive
  • Miami Lakes, FL, États-Unis Miami Lakes FL US
  • CDI, Plein-temps
  • BankUnited, N.A.
  • 21 juil. 18 2018-07-21

FBL Analyst II

SUMMARY: This position primarily analyzes reports and certificates received from borrowers and third parties, in order to assess appropriate levels of borrowing for commercial loans.

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties and special projects may be assigned.

* Maintains physical possession of original warehousing mortgages and floor plan titles.

* Analyzes borrowing base certificates in comparison to trade asset reports from borrowers to assess appropriate levels of borrowing under revolving lines of credit.

* Values various types of collateral pools to assess appropriate levels of borrowing for certain commercial loans.

* Ensures EXIM Bank and private insurance loans are maintained according to the respective agreements.

* Interacts with borrowers to provide appropriate levels of training, related to asset reporting.

* Provides guidance to analysts, lenders and portfolio managers during the underwriting process for FBL and EXIM deals.

* Prepares and distributes regular status reports on Asset Based Lending.

* Manages cash collateral and locked-box accounts.

* Reviews and analyzes third party field audits.

SUPERVISORY RESPONSIBILITIES: None

QUALIFICATIONS/COMPETENCIES

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

EDUCATION and/or EXPERIENCE:

FBL Analyst I: High School Diploma, GED or equivalent required. Minimum 1 year banking experience or asset based lending experience.

FBL Analyst II: High School Diploma, GED or equivalent required. Bachelor's degree preferred. 3-5 years experience as an asset based lending analyst required. Thorough knowledge or floor planning, mortgage warehousing, and Ex-Im Bank and other Credit Insured loans, in addition to standard FBL loans, is required.

FBL Analyst III: High School Diploma, GED or equivalent required. Bachelor's degree or equivalent preferred. 5 years experience as an asset based lending analyst is required. Comprehensive knowledge of floor plan lending, mortgage warehousing, and Ex-Im Bank and other Credit Insured loans, in addition to standard FBL loans, is required.

COMMUNICATION/LANGUAGE SKILLS: Ability to speak, read and write in the English language; Spanish (or other languages) helpful. Ability to read and comprehend simple instructions, short correspondence and memos; write simple correspondence; and effectively present information in one-on-one and small group situations to customers, clients, and other employees of the organization.

MATHEMATICAL SKILLS: Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals; and compute rate, ratio, and percent; and to draw and interpret bar graphs. An understanding of higher mathematical concepts may be required for specific departments.

REASONING AND ANALYSIS ABILITY: Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form; and deal with problems involving several concrete variables in standardized situations.

CERTIFICATES, LICENSES, REGISTRATIONS:

FBL Analyst I: EXIM Bank Certification preferred.
FBL Analyst II: EXIM Bank Certification preferred.
FBL Analyst III: EXIM Bank Certification required.

INTERPERSONAL SKILLS:

Build Relationships: Ability to relate to people in an open, friendly, accepting manner; can show sincere interest in others and their concerns; capable of initiating and developing relationships with others as a key priority.

Collaborative Relationships: Ability to develop and maintain effective working relationships with team members, internal partners, and external parties. Knows how to seek and encourage collaboration. Can work effectively with people outside formal authority to accomplish goals seeking win-win alternatives. Shares successes and works with others to reach best practice solutions. Can represent his/her own interests and yet be fair to other groups. Has the ability to recognize when relationships are unproductive and take action to improve them.

Influence: Can assert own ideas and persuade others; gain support and commitment from others; and mobilize people to take action.

Professionalism: Adhere to BankUnited standards for conduct, grooming, and attire. Provide a positive and professional image both with in the company and externally. Create a positive first impression.

OTHER SKILLS AND ABILITIES: Ability to work under pressure and ability to make decisions according to established guidelines; work unsupervised and to accomplish tasks accurately and on a timely basis; prioritize work; strong organization skills. Travel may be required; computer literacy in word processing is required. Must be able to use Microsoft Word, Excel, and Outlook.

SALES ABILITY/PERSUASIVENESS: Ability to identify the needs of customers through effective questions and listening techniques. Can apply technical/professional knowledge, interpersonal skills, and sales methods to obtain customers' commitment to ideas, services, or products. Handles objections effectively.

CUSTOMER SERVICE: Handles customers and employees and their queries in a positive, friendly, helpful and knowledgeable manner, remembering that the customers' satisfaction is a primary focus. Represents the Bank professionally at every contact with customers, staff and vendors.

ATTENDANCE: Must be able to report to work regularly per the assigned schedule; and have the flexibility to work additional hours outside the assigned schedule when necessary; work steadily through the workday; and maintain an attendance record in compliance with Bank policies and procedures.

PHYSICAL DEMANDS: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is regularly required to sit; use hands to finger, handle, or feel; reach with hands and arms; and talk or hear. The employee is occasionally required to stand; walk; climb or balance; and stoop, kneel, crouch or crawl. The employee must frequently lift and/or move up to 10 pounds and occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision.

WORK ENVIRONMENT: The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The work environment is a typical climate controlled office environment and the noise is usually moderate.

SAFETY: Uses common sense to perform job functions in a safe manner.