PORTFOLIO MANAGER - BASTROP - ONSITE
Description:
Support the analysis of the credit worthiness of the organization’s commercial credit relationships. Responsible for the client credit relationships, initial and ongoing, in the commercial lending segment, frequently serving as the client’s point of contact with the company. Affects sound and consistent underwriting and management of commercial loan risk within the assigned team while balancing the commitment to loan, deposit, and fee growth, overall client profitability, client retention, and credit quality.
Essential Duties: Assist in maintaining organized and current credit files. Will be involved throughout the loan underwriting process and will assume all required duties related to gathering information, facts, loan histories, relationship data, and providing same to lenders. During deal process, help prepare credit package for timely review and final approval including oral presentations to appropriate loan approval bodies. This includes obtaining and analyzing borrower financial statements, personal tax returns, stress-testing, profitability analysis and presentation of such material or any material that would be relevant for prudent risk management practices. Assist with the workflow of the relevant departments for origination and documentation of all loans. Make appropriate and timely notification to credit approval personnel of tardy and noncompliant borrowers, both during the loan process and during the life of the loan. Following the loan decision-making process work closely with the team to coordinate the documentation, closing, booking, and timely loan package completion. Conform all loan approvals and other packages with internal policy and regulatory requirements to ensure compliance with regulatory and other legal requirements including BSA/AML. Develop and maintain all lending relationships in area on the centralized risk management tickler system. Make recommendations during the Underwriting and renewal process. Assist and participate in both client and prospective business calling preparation.
Required Minimum Qualifications: Bachelor’s degree in Finance, Accounting, Business, Economics or a related field; or an equivalent combination of education and relevant work experience. Three years of experience in commercial or consumer lending, credit analysis, or loan portfolio management.
Preferred Qualifications: Familiarity with community bank operations and relationship-based lending. Experience with problem loan resolution and workout strategies. Knowledge of loan risk rating systems and regulatory guidance (e.g., CAMELS, FDIC, OCC)
Description:
Support the analysis of the credit worthiness of the organization’s commercial credit relationships. Responsible for the client credit relationships, initial and ongoing, in the commercial lending segment, frequently serving as the client’s point of contact with the company. Affects sound and consistent underwriting and management of commercial loan risk within the assigned team while balancing the commitment to loan, deposit, and fee growth, overall client profitability, client retention, and credit quality.
Essential Duties: Assist in maintaining organized and current credit files. Will be involved throughout the loan underwriting process and will assume all required duties related to gathering information, facts, loan histories, relationship data, and providing same to lenders. During deal process, help prepare credit package for timely review and final approval including oral presentations to appropriate loan approval bodies. This includes obtaining and analyzing borrower financial statements, personal tax returns, stress-testing, profitability analysis and presentation of such material or any material that would be relevant for prudent risk management practices. Assist with the workflow of the relevant departments for origination and documentation of all loans. Make appropriate and timely notification to credit approval personnel of tardy and noncompliant borrowers, both during the loan process and during the life of the loan. Following the loan decision-making process work closely with the team to coordinate the documentation, closing, booking, and timely loan package completion. Conform all loan approvals and other packages with internal policy and regulatory requirements to ensure compliance with regulatory and other legal requirements including BSA/AML. Develop and maintain all lending relationships in area on the centralized risk management tickler system. Make recommendations during the Underwriting and renewal process. Assist and participate in both client and prospective business calling preparation.
Required Minimum Qualifications: Bachelor’s degree in Finance, Accounting, Business, Economics or a related field; or an equivalent combination of education and relevant work experience. Three years of experience in commercial or consumer lending, credit analysis, or loan portfolio management.
Preferred Qualifications: Familiarity with community bank operations and relationship-based lending. Experience with problem loan resolution and workout strategies. Knowledge of loan risk rating systems and regulatory guidance (e.g., CAMELS, FDIC, OCC)