Job Title: CRE Credit Analyst

Department: Credit

Location: Pittsburgh, PA

Summary of the Position:

The Credit Analyst supports commercial lenders and underwriters with the analysis and entry of cash flow statements (historical and projected), rent rolls, collateral, market data and guarantor financials into commercial database. Assists in monitoring requests for and receipt of borrowers’ financial statements. Uploads supporting documentation and tracks/verifies compliance using standard tools and processes for Bank audits and exams.

The Credit Analyst works collaboratively with the Line of Business and Portfolio Analysts to resolve data inconsistencies and incorrect or missing information to ensure the accuracy of market analysis and portfolio reporting.

Primary Functions of the Position:

• Provide support to market Portfolio Managers and Underwriters as the initial Point-of-Entry for client financial data including financial statements, rent rolls, personal financial statements, and global cash flow. • Generate various reports to track receipt and progression of financial reporting, covenant compliance, leasing status and quarterly periodic reviews. • Gather market research by assembling information from various sources including CoStar, REIS and/or other data resources for quarterly market reporting • Reviews and analyzes financial statements and interprets findings for the preparation of quarterly periodic reviews (QPRs) ensuring timely compliance with credit policy and procedure.

Education and Experience Requirements:

• Bachelor’s Degree in finance, accounting or related field, or equivalent combination of education and experience.

• 2-5 years of relevant direct commercial, cash management or private banking experience.

• General familiarity with CRE and/or C&I underwriting experience.

Essential Skills and Abilities:

• Ability to read, analyze and interpret complex financial and loan documentation.

• Demonstrated ability to clearly present analysis in a written and verbal manner.

• Ability to define problems, collect data, establish facts and draw valid conclusions.

• Knowledge of and experience using financial modeling for credit analysis.

• Advanced Microsoft excel skills and general proficiency using Microsoft Office suite.

TriState Capital Bank provides equal employment opportunity and advance in employment to qualified persons regardless of race, color, sex, religion, national origin, age, sexual orientation, gender identity, disability, veteran status, or other categories protected by law.

TriState Capital Bank is an Equal Opportunity Employer.

Job Title:         Portfolio Manager – Risk / CRE Credit

Department:    Credit CRE

Location:         Edison NJ, Cleveland OH, Pittsburgh PA, or Villanova PA

Summary of the Position:

The Commercial Real Estate (CRE) Credit Risk Portfolio Manager assists the relationship managers with the ongoing administration of loan portfolios and the underwriting of existing relationships (renewals) to ensure the Bank maintains high credit quality and to provide more time for the relationship managers to generate new business opportunities.

Primary Functions of the Position:

• Underwrites requests for credit extensions to existing clients
• Performs detailed financial analysis for CRE and, on occasion, personal lending opportunities
• Prepares the following for presentation to Senior Loan Committee:

1. Credit Approval Request (CAR)
2. Modifications
3. Covenant Waivers/Amendments
4. Periodic Reviews
5. Assessment of Real Estate Sponsorship

• Manages / monitors assigned portfolio for:

1. Loan Performance
2. Accurate and Timely Risk Rating
3. Required Financial Reporting
4. Covenant Compliance
5. Payment Delinquencies
6. Overdrafts

• Ensures compliance with the Bank’s credit policies and procedures, identifying exceptions for approval as they occur
• Responsible for sending “Welcome Package” and schedules Post Closing Kick Off Call with client, ARM, RM and Loan Administrator.
• Facilitates Post-Closing Kick Off Call acting as liaison to ensure lines of communication and responsibility are understood by client.
• Ensures the initial set-up of credit facilities on Baker Hill and other internal systems is consistent with the reporting requirements and covenants contained in the loan documents
• Prepares and presents periodic financial reviews of portfolio.
• Ensures the timely spreading of financial statements provided by clients,
• Conducts site inspections as needed.

Education and Experience Requirements:

• Bachelor’s Degree in Finance, Accounting, or related field
• Minimum of 5 years of credit analysis and underwriting experience
• Completion of a bank commercial credit training program and experience analyzing commercial / residential real estate projects (income producing properties including retail, office, industrial and multi-family; land acquisition and development loans, and construction loans) strongly preferred

Essential Skills and Abilities:

• Demonstrated knowledge of investment commercial real estate finance for multiple loan and property types
• Excellent organization skills, attention to detail and the ability to work in a fast-paced environment and complete assignments in a timely manner with minimal direction
• Strong written and verbal communication skills
• Strong presentation skills
• Ability to work independently and within a team
• Proficient in various spreadsheet and word processing applications, including the use of graphs and charts

TriState Capital Bank provides equal employment opportunity and advance in employment to qualified persons regardless of race, color, sex, religion, national origin, age, sexual orientation, gender identity, disability, veteran status, or other categories protected by law.

Job Title:          Portfolio Manager – Commercial Real Estate  

Department:     Credit CRE

Location:          Cleveland OH, Edison NJ, Philadelphia PA, Pittsburgh, PA

Summary of the Position:

The Commercial Real Estate (CRE) Portfolio Manager assists the relationship managers with the underwriting of credit and the ongoing administration of loan portfolios to ensure that the Bank maintains high credit quality and to provide more time for the relationship managers to generate new business opportunities.

Primary Functions of the Position:

• Underwrites requests for credit extensions to new and existing clients
• Performs detailed financial analysis for CRE and, on occasion, personal lending opportunities
• Prepares the following for presentation to Senior Loan Committee:

1. Credit Approval Request (CAR)
2. Modifications
3. Covenant Waivers/Amendments
4. Periodic Reviews
5. Assessment of Real Estate Sponsorship

• Manages / monitors assigned portfolio for:

1. Loan Performance
2. Accurate and Timely Risk Rating
3. Required Financial Reporting
4. Covenant Compliance
5. Payment Delinquencies
6. Overdrafts

• Ensures compliance with the Bank’s credit policies and procedures, identifying exceptions for approval when they occur
• Ensures the initial set-up of credit facilities on Baker Hill and other internal systems is consistent with the reporting requirements and covenants contained in the loan documents
• Prepares periodic financial reviews where required
• Ensures the timely spreading of financial statements provided by clients
• Accompanies the relationship manager on prospect / client calls when appropriate

Education and Experience Requirements:

• Bachelor’s Degree in Finance, Accounting, or related field
• Minimum of 5 years of credit analysis and underwriting experience
• Completion of a bank commercial credit training program and experience analyzing commercial / residential real estate projects (income producing properties including retail, office, industrial and multi-family; land acquisition and development loans, and construction loans) strongly preferred

Essential Skills and Abilities:

• Demonstrated knowledge of investment commercial real estate finance for multiple loan and property types
• Excellent organization skills, attention to detail and the ability to work in a fast-paced environment and complete assignments in a timely manner with minimal direction
• Strong written and verbal communication skills
• Strong presentation skills
• Ability to work independently and within a team
• Proficient in various spreadsheet and word processing applications, including the use of graphs and charts

TriState Capital Bank provides equal employment opportunity and advance in employment to qualified persons regardless of race, color, sex, religion, national origin, age, sexual orientation, gender identity, disability, veteran status, or other categories protected by law.

TriState Capital Bank is an Equal Opportunity Employer

Job Title:          Collateral Analyst

Department:   Credit Collateral

Location:          Pittsburgh, PA

Summary of the Position:

The Collateral Analyst monitors and evaluates fluctuating loan collateral value for Private Bank and Asset Based lines of credit; and provide reporting and related support to the Credit / Portfolio Management team.

Primary Functions of the Position:

• Reviews daily brokerage system feeds to value collateral assets associated with Private Bank lines of credit
• Provides notification to private bankers and loan operations regarding advances or issues
• Reviews and verifies collateral borrowing base reports for asset-based lines of credit
• Prepares and distributes the daily collateral reports
• Verifies ineligible calculations, verifies A/R reconciliation balance, and ensures information is rolled up properly in all final Bank Collateral reports
• Provides notifications of defaults and/or updates regarding borrowing availability
• Evaluates and prepares collateral release requests daily
• Ensures line of credit availability is accurately reflected on commercial loan system
• Reviews legal and ongoing borrower provided documentation for accuracy and completeness

Education and Experience:

• Bachelor’s Degree in related field, or equivalent years of experience
• 3-5 years of banking or securities experience including previous experience in collateral analysis, credit or related function
• Experience with special asset analysis and work out solutions is preferred
• Experience with marketable securities, collateralized or asset-based lending

Essential Skills and Abilities:

• Demonstrated knowledge of accounting principles, collateral evaluation methods and general knowledge of underwriting
• Proficient in MS Office (specifically Excel and Word)
• Organized with strong attention to detail
• Professional interpersonal and communication skills
• Demonstrated ability to assist in the analysis of problem accounts
• Demonstrated strong analytical and project management competencies

TriState Capital Bank provides equal employment opportunity and advance in employment to qualified persons regardless of race, color, sex, religion, national origin, age, sexual orientation, gender identity, disability, veteran status, or other categories protected by law.

TriState Capital Bank is an Equal Opportunity Employer.

The Private Bank Credit Officer reviews and provides credit decisions on approval requests submitted by Credit
Production Managers. Credit Officers perform an objective evaluation of client credit availability pertaining to
marketable securities and other types of liquid asset collateral, ensuring that the Bank maintains high credit quality
standards, and communicates findings accordingly.

Primary Functions of the Position:

• In a high-volume environment, evaluates the risk considerations of a loan application and makes timely credit
decisions
• Checks and, if necessary, revises credit approval request details before submitting approvals for loan documentation
and booking
• Reviews credit investigations and related due diligence
• Completes loan modification requests for existing clients’ loans
• When required, reviews legal and borrower-provided documentation for accuracy and completeness
• May assist in the analysis of problem accounts and propose acceptable solutions regarding customer service issues
• Performs related reporting and project support work

Education and Experience Requirements:

• Bachelor’s Degree, preferably in Business or related field
• 3 years of banking or securities experience
• 3 years of underwriting experience
• Financial services experience with exposure to marketable securities, collateralized or asset-based lending, or loan
administration is preferred

Essential Skills and Abilities:

• Demonstrated knowledge of accounting principles and reconcilement procedures
• Proficient in MS Office, specifically Excel and Word
• Able to quickly identify pertinent details and make timely, sound decisions
• Organized with strong attention to detail
• Professional interpersonal and communication skills
• Strong writing, critical-thinking, and analytical skills

TriState Capital Bank provides equal employment opportunity and advance in employment to qualified persons
regardless of race, color, sex, religion, national origin, age, sexual orientation, gender identity, disability, veteran
status, or other categories protected by law.

TriState Capital Bank is an Equal Opportunity Employer

The Commercial and Industrial (C&I) Portfolio Manager assists the relationship managers with the underwriting of credit and the ongoing administration of loan portfolios to ensure that the Bank maintains high credit quality and to provide more time for the relationship managers to generate new business opportunities.

Primary Functions of the Position:

• Underwrites requests for credit extensions to new and existing clients
• Performs detailed financial analysis primarily for Commercial & Industrial lending opportunities
• Prepares the following for presentation to Senior Loan Committee by the relationship managers:
  • Credit Approval Requests (CAR)
  • Modifications
  • Covenant Waivers / Amendments
  • Periodic Reviews
• Manages / monitors assigned portfolio for:
  • Borrower Credit Trend
  • Accurate and Timely Risk Rating
  • Required Financial Reporting
  • Covenant Compliance
  • Borrowing Base Availability
  • Payment Delinquencies
  • Overdrafts
• Ensures compliance with the Bank’s credit policies and procedures, identifying exceptions for approval when they occur
• Ensures the initial set-up of credit facilities on Baker Hill and other internal systems is consistent with the reporting requirements contained in the loan documents
• Prepares periodic financial reviews where required
• Ensures the timely spreading of interim and annual financial statements provided by clients
• Accompanies the relationship manager on prospect / client calls when appropriate

Education and Experience Requirements:

•  Bachelor’s Degree in Accounting, Finance, or related field; MBA preferred
• Minimum 5 years of credit analysis and underwriting experience
• Completion of bank commercial credit training program

Essential Skills and Abilities:

• Demonstrated knowledge of accounting theory and its practical application in the credit underwriting process
• Strong analytical skills including the ability to read and assess individual and company financial statements, cash flow, industry, competition and projections
• Excellent organizational skills, attention to detail, and the ability to work in a fast-paced environment and complete assignments in a timely manner with minimal direction
• Strong written and verbal communication skills
• Strong presentation skills
• Ability to work independently and within a team
• Proficient in various spreadsheet applications, including the use of graphs, charts and Moody’s financial analysis software

TriState Capital Bank provides equal employment opportunity and advance in employment to qualified persons regardless of race, color, sex, religion, national origin, age, sexual orientation, gender identity, disability, veteran status, or other categories protected by law.

TriState Capital Bank is an Equal Opportunity Employer.