JOB SUMMARY

Monitor portfolio. Oversee Loan Portfolio documentation. Handle special assets. Draft procedures.

Accountable for adhering to the Bank's BSA, AML, and Office of Foreign Asset Control (OFAC) applicable policies. Employee must follow specific unit procedures developed in compliance with the policies. employee is also responsible for the reporting any suspicious activity and / or transactions i accordance with the Bank's processes and comply with any mandatory BSA, AML, and OFAC training assigned.

ESSENTIAL FUNCTIONS

Facilitates the preparation of credit underwriting and analysis of existing loans in connection with renewals and modifications.

Assist in facilitating closing of transactions.

Assist in managing past due and maturing loans.

Recommend and models appropriate loan structure for new and existing loan relationships

Prepares periodic reviews of existing loans to assess credit quality and covenant compliance

Collect, receive and review financial reports to monitor loan compliance and performance.

Assists in preparing files for annual review and complete review on a timely basis.

Responsible for annual portfolio inspections

Timely response to open exception reports, loan review audits and support internal and external audits.

Review weekly reports and tickler file for assigned Portfolio.

Assists in the preparation of Waivers and Amendments.

Prepares Commercial portfolio and other miscellaneous reports as needed.

Requests and follows-up on pending and missing legal and other documentation supporting credit assets.

Prepare visitation reports summarizing visits to properties and/or with clients.

Providing loan document information as required which includes secondary market and NLP portfolios.

Create and send default letters as required.

Other ad-hoc duties as necessary in order to familiarize them with all department areas.

SAG

Manage and serve as a primary point of contact for a portfolio of credit facilities, secured by distressed commercial real estate assets.

Developed and implemented credit strategies to maximize improvement in credit risk and loan recovery, while observing bank policy and minimizing collection costs.

Employes a wide range of collection strategies including loan restructurings, cash pay downs, and the pursuit of collateral.

Completes detailed quarterly “Criticize Asset Reports” for each facility. Reports included a summary of the past quarter’s

developments and operating results, as well as an updated risk profile and exit strategy for each account.

Obtain approval for risk appropriate loan modifications and credit facility restructurings

Manage and work with attorneys regularly to come to a suitable solution on distress assets.

Reviews and underwrite loan files for risk grading and workout identification

Assist existing borrowers in identifying replacement lenders, managing collections, negotiating workout terms and early extinguishing certain loans at a discount and coordinating legal efforts.

Interact with investors, brokers, loan officers, and attorneys with the sale of distressed Assets and portfolio.

Monitoring sales and the closings of distress assets.

Keep track of deficiency judgments and assist in the collection process.

Attend mediations and/or depositions.

Coordinate with FirstBank Florida attorney in negotiating, preparing, and reviewing stipulation/ Forbearance Agreements.

CREDIT ADMINISTRATION

Loan monitoring including all internal and external reporting requirements, company/borrower information and all relevant events; supporting responses/ resolutions for internal and external customers and aiding the overall departmental workflow; responsible for the maintenance of the Loan Portfolio documentation and for providing support to the SAG/ Credit departments as detailed below.

Responsible for SAG/REO monitoring and handling.

Create and follow up of various reports

Perform/ Assist with Check requests, payments of invoices and GL reconciliations

Process deficiency payments

Prepare Datamart validation and certification as well as TDR reporting.

Complete CRA submission, appraisal ordering and all logs of credit department

Supervise credit administration officer/ specialists

Review of the monthly tickler report for accuracy, changes and updates.

Review Ncino system file upload accuracy. Position is responsible for reviewing and approving the placeholders below.

Relationship DocMan

Financial Statement - Business/Company Prepared – Interim

Main Street Lending Quarterly Certification

Tax Returns – Business

Financial Statement – Personal

Tax Returns – Personal

W-2

10Q & 10K Filings

Accounts Payables Aging Report

Accounts Receivables Aging Report

Accounts Receivables Availability Report

Annual Company's Budget

Asset Based Audit Report

Borrowing Base Certificate

Capital Budget

Certificate of Compliance with Financial Covenants

Certificate of No Default with Loan Agreement's Covenants

Call Reports (Call Code Report)

Debt Schedule

Financial Statement - Business/Company Prepared

Financial Statement - Business/Compiled

Financial Statement - Business/Compiled – Interim

Financial Statement - Business/CPA Audited

Financial Statement - Business/Reviewed

Financial Statement - Business/Reviewed – Interim

Financial Statements – Proforma

Financial Statements – Projected

Financial Statements Disclosure

Inventory Availability Report

Inventory Reports

Projection Report

Rent Rolls

SBA 413: Personal Financial Statement

SBA form 2202 Schedule of Liabilities

STAR Report

Tax Return Extension – Business

Tax Return Extension – Personal

Tax Returns Debt Certification

Transcripts of Corporate Tax Return

Transcripts of Personal Tax Return

Work on Hand

Financial Statements

360 Criticized Report

Loan DocMan

Call Code Form

Tickler Checklist

Commercial Loan Disclosures

Loan to One Borrower (TOO) Disclosure