AVP - Portfolio Analyst, Commercial Loan Servicing

Description

• Maintain comprehensive knowledge of loan documents, lender agreements, and servicing contracts to effectively administer loans and ensure company compliance.
• Ensure compliance with all applicable loan documents, inter-creditor, participation, and servicing agreements, and handle timely processing of all loan-related matters and requests.
• Handle detailed referral requests to other servicing departments for transactions requiring lender consent, such as easements and casualty losses.
• Collaborate with functional units such as Tax, Insurance, and Escrow Analysis to process borrower requests and administer loan requirements, including reserve draws and insurance maintenance.
• Manage and escalate complex issues requiring higher-level decision-making within Berkadia or consent from external parties.
• Consult with Berkadia managers and follow up with borrowers to ensure the completion of requests and inquiries.
• Review and analyze financial covenants, trigger events, and debt service coverage ratio (DSCR) tests.
• Monitor and process borrower requests, prepare underwriting recommendations for approval by Berkadia managers or external lenders, collaborating with internal/external counsel, rating agencies, and trustees as needed.
• Serve as the primary point of contact for borrowers and lenders, managing a portfolio of commercial mortgage loans and fostering Berkadia’s servicing relationships.
• Administer daily loan portfolio activities, including payment status checks, collection calls, fund identification, and compliance monitoring, escalating non-compliance or defaults as necessary.
• Monitor property performance, including analysis of the borrower’s business plan and market conditions.
• Collect and assist with the analysis of property operating statements, rent rolls, and financial statements of borrowers/guarantors.
• Review and prepare recommendation packages for future funding draws, including contract reviews and construction budget assessments.
• Prepare quarterly asset summaries, surveillance reports, and other required deliverables for lenders.
• Approve e-forms and recommend defaulted loans for transfer to the special servicer, adhering to Berkadia’s Banking and Cash Activities Approval Limits.

Requirements

• 3+ years of experience in a similar position.
• Exceptional organizational skills, capable of multitasking effectively in a dynamic, fast-paced environment with competing priorities, and a keen attention to detail.
• Skilled in analyzing property operating statements and rent rolls to assess asset performance in relation to loan requirements and underwritten metrics.
• Bachelor's degree or equivalent.
• Strong customer service orientation, with a focus on risk management and asset management, complemented by excellent communication skills for clear and effective interaction across all organizational levels.
• Proficient in Microsoft Office (Outlook, Word, Excel) and familiar with mortgage industry-specific applications like McCracken Strategy, along with strong ability to adapt to new software and intranet-based workflows.

Benefits

• Up to 12-weeks of fully paid parental leave
• Pet insurance discounts
• Fertility and family planning services
• Employee Resource Groups that help you grow with us
• Monthly paid volunteer hours and donation matching to benefit our communities
• Mental health care, including free counseling sessions:
• We'll help you fund your learning journey with generous tuition reimbursement

Training + Development

Interview process

Visa Sponsorship

Security clearance