Credit Portfolio Manager I

Overview

This role supports Credit Administration by assessing the financial capacity and creditworthiness of new and existing borrowers. The position also helps manage risk within the bank’s credit portfolio through periodic testing and reviews. Strong credit and financial analysis skills, along with the interpersonal ability to collaborate with team members and clients, are essential.

Responsibilities

• Analyze financial and industry data of borrowers with a moderate to high level of complexity to determine creditworthiness for new and renewal credit applicants.
• Prepare and interpret financial statement spreads; provide loan structure, approval, and declination recommendations.
• Conduct background investigations on borrowers, including industry information, personal and/or company background/history, and other details needed to complete the credit approval package.
• Create written credit memoranda for Senior Credit Management and Loan Committee members, including background information on the borrower and guarantor, financial analysis of related parties, and detailed credit risk analysis and mitigation.
• Ensure loan structures adhere to bank credit policies and federal and state regulations.
• Participate in weekly Loan Committee Meetings to present credit packages for deliberation and approval.
• Attend additional meetings as necessary.
• Work with the Lending Team to expedite current and accurate financial data for periodic evaluations or new credit requests.
• Provide ongoing portfolio management of existing loans through periodic credit reviews, including covenant testing, risk grade evaluations, and annual or problem loan review memoranda.
• Collaborate with Loan Officers, Credit Administration, Loan Operations, and other departments to move loans from underwriting to closing.
• Attend client meetings online (or in person depending on location) as requested by Loan Officers.
• Comply with Fair Lending and Equal Credit Opportunity requirements for all bank borrowers.
• Interact effectively with a wide variety of stakeholders.
• Accept additional tasks as assigned.

Requirements

• Minimum 3–5 years of credit analysis experience, including commercial (required) and consumer; at least 2 years of portfolio management or credit underwriting experience.
• Relevant work experience and/or certificates, or graduation from a recognized institution of banking or finance, may also be considered.
• Proficiency with Microsoft Office Suite, including Excel, Word, and PowerPoint.
• Effective project management skills.
• Strong analytical and research skills.
• Strong oral and written communication skills.
• Outstanding interpersonal and customer service skills.
• Experience working with financial analysis software (Sageworks Analyst a plus).
• Ability to work independently and as part of a project team.
• Ability to adapt to changing priorities while maintaining a positive attitude.
• Ability to prioritize workload and meet deadlines.