Homeownership Portfolio Analyst II

Compensation Grade:

BASIC PURPOSE:
 

ESSENTIAL FUNCTIONS:

• Responsible for evaluating, reviewing, underwriting and verifying supporting documentation for applications for the Bank’s Affordable Housing Program (AHP) Homeownership Set-aside, General Fund and Community Investment Cash Advance (CICA) programs.

• Reviewing and specifying loan conditions as necessary.

• Reviews and interprets language in loan closing documents such as promissory notes, closing statements, deeds, etc., that indemnify the Bank and its members against potential losses.

• Reviews and analyzes documentation associated with disbursement of program funds and determines compliance with federal regulations and department procedures.

• Reviews, analyzes, and interprets financial data contained in project proformas and sources, and uses statement and development budgets, and makes funding recommendations.

• Develops, designs, enhances, and maintains comprehensive financial spreadsheets, and form templates to facilitate the analysis and monitoring of the Bank’s Affordable Housing Program.

• Responds to inbound customer support phone calls and email messages from the Bank’s shareholders, and other related parties.  Online systems supported include the Bank’s Affordable Housing Program portals and customer relationship management (CRM) system (SalesForce). Serves customers by determining requirements, clarifying desired information, and answering inquiries, performing research, locating, and providing information related to technical assistance regarding lending and disbursement procedures and regulatory requirements, resolving problems, fulfilling requests, and maintaining databases.

• Uses the Bank’s CRM system to log and track email requests and incoming calls for end-user support, technical inquiries, product information, and other customer-service requests. Ensures accurate and timely CRM system entry of all customer interactions to provide enterprise-wide visibility into the Bank’s relationship with our customers. 

• Monitors the Bank’s Affordable Housing Program mailboxes.

• Meets established performance metrics and standards.

• Makes recommendations for and participates in the design and implementation of operational systems, and standard operating procedures.

• Performs quality control assurance of portfolio and provides guidance and feedback in Community Investment Services department policies, procedures, and practices.

• Assists with onboarding, training, developing, and educating new and existing staff members.

• Performs user acceptance testing to validate system performance, new functionality, upgrades, patches, new products, and data changes before they are deployed to production.

• Attend daily; bi-weekly or ad hoc meetings to discuss team meetings topics such as production updates, system issues, transaction issues, enhancements, procedures updates, etc.

• Expected to enhance the department’s brand by taking ownership of issues, following problems through to satisfactory resolution, identifying process improvements and efficiencies, and providing excellent customer service to the Bank’s shareholders.

• Assists with the preparation of program reports for department management.

• Provides feedback and input on problems, and challenges that are complex and impact the business and operational objectives of the Bank.

KNOWLEDGE, SKILLS, ABILITIES: 

• A thorough understanding of the principles of real estate or mortgage finance, strong math skills, and the ability to identify and resolve complex financial problems are essential.

• Ability to handle multiple tasks, take on new responsibilities, and prioritize work in a deadline-intensive environment. Strong attention to detail, strong teamwork skills and ability to influence through collaboration, ability to decipher policies, programs, and guidelines, problem-solving, organizational, presentation, and communication skills are required.

• Thorough working knowledge of Microsoft Word, Excel, and PowerPoint.

• Strong customer relationship management skills.

MINIMUM REQUIREMENTS

A bachelor’s degree in finance, or real estate, and a minimum of five years’ experience in the analysis of residential mortgage or commercial real estate underwriting, with specific experience in loan documentation, appraisal review, due diligence, and cash flow analysis or the equivalent combination of education and experience is necessary. 

Work Location: This individual must reside within commuting distance from our Atlanta, GA office. This position may not be filled in New Jersey, either in-person or remotely.

Work Schedule: Onsite with an opportunity to work remote partially.

Visa Sponsorship: Applicants must be authorized to work for ANY employer in the U.S. We are unable to sponsor or take over sponsorship of an employment Visa at this time.

We are an equal opportunity employer.