Sabadell Overview 

Banco Sabadell has operated in the United States since 1993 with an international full branch established in Miami. We offer Corporate Banking services to international companies in the American market, as well as International Private Banking services primarily to Latin American high-net-worth individuals seeking personalized financial guidance.

Our business model is based on the adaptation to market needs and the close and strategic relationship with customers, resulting in client loyalty and long-term customer retention. This unique strategy, along with the permanent orientation towards the search for professional performance, quality and innovation of our qualified human resource team, enables Banco Sabadell, Miami Branch to occupy an outstanding position in the banking business market. Our mission is to be Your Trusted Advisor for your personal investments and banking needs, as well as Your Relationship Manager for your business needs. Our banking teams work together to offer you and your business customized solutions in one place, one bank.

Job Description 
Banco Sabadell is seeking a Senior Portfolio Analyst candidate to join a dynamic team within one of the fastest growing banks in Florida.  

Responsibilities  

• The Senior Portfolio Analyst (SPA) role is focused on the evaluation and monitoring of loans, the bank's corporate assets

• The SPA is responsible for continuously evaluating the corporate portfolio ensuring credit quality is maintained 

• The SPA is also responsible for the on-going evaluation of the asset quality of the existing loan portfolio

• The proper evaluation of the generation of new loans and the monitoring of existing loans, which is key to the bank's overall profitability

• Discussion and preliminary review of loan requests with RMs, and other departments 

• Propose Loan Status Change (“LSC”) for downgrades/upgrades of internal credit ratings

• Hold discussions with credit authorities  regarding underperforming loans

• Perform Impairment Analysis (ASC 310 / FASB114)

• Review external Credit Ratings

• Review Policy Exceptions 

• Monitor loans for financial covenant compliance and trends

• Evaluate loans for proper loan grading and propose Loan Status Change (“LSC”) for downgrades/upgrades of internal credit ratings if needed

• Coordinate efforts, as needed, with other departments within the Bank to provide support with any specific request such as: regulators, loan reviewers, internal audit and external audits 

Requirements 

• Loan Officer or Portfolio Manager preferably at a Commercial Bank 

• Preferred formal Credit training

• Understanding of appropriate Loan structures, covenants and borrowing bases

• Experience in analysing Commercial real estate loans, business loans and loans to individuals

• Experience in analysing tax returns, personal financial statements and business financial statements and real estate appraisals

• Ability to evaluate collateral value

• Basic Loan documentation knowledge

Sabadell Bank is an Equal Employment Opportunity