Credit Portfolio Manager II

Overview

This role supports Credit Administration by assessing the financial capacity and creditworthiness of new and existing borrowers. It also helps the Credit and Lending Teams manage risk within the bank’s credit portfolio through periodic testing and reviews. The position requires strong credit and financial analysis skills, along with the interpersonal skills needed to collaborate with internal stakeholders and clients.

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 and provide loan structure, approval, and declination recommendations.
• Conduct background investigations on borrowers, including industry information, personal and/or company background/history, and other data needed to complete the credit approval package.
• Prepare written credit memoranda for submission to Senior Credit Management and Loan Committee members, including background information on borrowers and guarantors, 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 potential approval.
• Attend additional meetings as necessary.
• Collaborate with loan officers to collect current and accurate financial data for periodic evaluations or requests for new credit.
• Perform ongoing portfolio management through periodic credit reviews, including covenant testing, risk grade evaluations, and annual or problem loan review memoranda.
• Coordinate with Loan Officers, Credit Administration, Loan Operations, and other departments to expedite the loan process from underwriting through 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.
• Mentor junior team members and review work for accuracy.
• Maintain strong interpersonal and customer service skills when interacting with a wide variety of stakeholders.
• Accept and complete additional tasks as assigned.

Requirements

• 5+ years of credit analysis, including commercial (required) and consumer lending experience, with at least three 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.
• Strong leadership 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.

Preferred Qualifications

• Experience with financial analysis software.
• Experience with syndicated and SBA lending.

Location

• Not specified in the provided description.