Portfolio Analyst - Business Lending
Merchants Bank of Indiana, Carmel, IN, United States
Job Description
As a
Portfolio Analyst
within the Business Lending team, you would be responsible for assisting in the day-to-day management of the Business Lending Loan Portfolio. In this role, you would be required to manage all aspects of the lending portfolio, which includes managing past due loans, underwriting loan renewals and being a point of contact for our clients and Relationship Managers. The Portfolio Analyst works with the Portfolio Manager to ensure the loan portfolio is performing, and to identify warning signals in advance of loans that fail to perform. In addition, you will assist with creation of reporting for senior management about portfolio metrics and performance.
After one year as our Portfolio Analyst, you will know you were successful if you are able to handle the following confidently and independently.
Assist with maintaining, and troubleshooting a portfolio of Business Banking, Commercial, and SBA Loans
Monitor the portfolio and identify any potential red flags with loans before they become troubled assets
Spread financial statements, complete cash flow analysis, and prepare risk ratings on assigned relationships.
Complete underwriting of assigned loan modification requests for SBA and conventional loans.
Assist Portfolio Manager with loan renewals and modifications in a timely manner; track the maturing loans report to ensure loans are renewed or extended before maturity date
Provide updates to Chief Credit Officer and Senior Credit Officer as needed
Back up assistance to the New Money Underwriting team in times of high volume
Work as a team player and be considerate of customers, co-workers, and vendors
Interact with clients and Account Officers regarding renewals, payments, and collection of financial statements
Facilitate submission of files and other documents requested for audits and reviews
Other duties as determined to ensure the portfolio is being tracked and monitored in an efficient and timely manner
Requirements What we are looking for…
Prior portfolio management experience for Business Banking or Commercial lending preferred
Knowledge of SBA and various governmental agencies reporting requirements and regulations preferred
Proficiency using MS Excel, Word, and Outlook required
Strong attention to detail a must along with organizational skills required.
Able to work under pressure and meet deadlines
Requires problem solving skills as well as the initiative to troubleshoot and find resolutions
Strong verbal and written communication skills needed
About Merchants Ranked as a top performing U.S. public bank by S&P Global Market Intelligence, Merchants Bancorp is a diversified bank holding company headquartered in Carmel, Indiana operating multiple segments, including Multi-family Mortgage Banking that offers multi-family housing and healthcare facility financing and servicing; Mortgage Warehousing that offers mortgage warehouse financing; and Banking that offers retail and correspondent residential mortgage banking, agricultural lending, and traditional community banking. Merchants Bancorp, with $18.8 billion in assets and $11.9 billion in deposits as of December 31, 2024, conducts its business primarily through its direct and indirect subsidiaries, Merchants Bank of Indiana, Merchants Capital Corp., Merchants Capital Investments, LLC, Merchants Capital Servicing, LLC, Merchants Asset Management, LLC, and Merchants Mortgage, a division of Merchants Bank of Indiana.
Merchants Bank and Merchants Capital have recently been honored with the 2025 USA Today Top Workplaces recognition, ranking 22nd nationally within the 500-999 employee category. This is the second year that Merchants has been recognized with this award. These accolades build on our strong history of workplace recognition, including being named a Best Place to Work in Indiana for seven consecutive years (2016–2022). For more information read the entire article here.
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Portfolio Analyst
within the Business Lending team, you would be responsible for assisting in the day-to-day management of the Business Lending Loan Portfolio. In this role, you would be required to manage all aspects of the lending portfolio, which includes managing past due loans, underwriting loan renewals and being a point of contact for our clients and Relationship Managers. The Portfolio Analyst works with the Portfolio Manager to ensure the loan portfolio is performing, and to identify warning signals in advance of loans that fail to perform. In addition, you will assist with creation of reporting for senior management about portfolio metrics and performance.
After one year as our Portfolio Analyst, you will know you were successful if you are able to handle the following confidently and independently.
Assist with maintaining, and troubleshooting a portfolio of Business Banking, Commercial, and SBA Loans
Monitor the portfolio and identify any potential red flags with loans before they become troubled assets
Spread financial statements, complete cash flow analysis, and prepare risk ratings on assigned relationships.
Complete underwriting of assigned loan modification requests for SBA and conventional loans.
Assist Portfolio Manager with loan renewals and modifications in a timely manner; track the maturing loans report to ensure loans are renewed or extended before maturity date
Provide updates to Chief Credit Officer and Senior Credit Officer as needed
Back up assistance to the New Money Underwriting team in times of high volume
Work as a team player and be considerate of customers, co-workers, and vendors
Interact with clients and Account Officers regarding renewals, payments, and collection of financial statements
Facilitate submission of files and other documents requested for audits and reviews
Other duties as determined to ensure the portfolio is being tracked and monitored in an efficient and timely manner
Requirements What we are looking for…
Prior portfolio management experience for Business Banking or Commercial lending preferred
Knowledge of SBA and various governmental agencies reporting requirements and regulations preferred
Proficiency using MS Excel, Word, and Outlook required
Strong attention to detail a must along with organizational skills required.
Able to work under pressure and meet deadlines
Requires problem solving skills as well as the initiative to troubleshoot and find resolutions
Strong verbal and written communication skills needed
About Merchants Ranked as a top performing U.S. public bank by S&P Global Market Intelligence, Merchants Bancorp is a diversified bank holding company headquartered in Carmel, Indiana operating multiple segments, including Multi-family Mortgage Banking that offers multi-family housing and healthcare facility financing and servicing; Mortgage Warehousing that offers mortgage warehouse financing; and Banking that offers retail and correspondent residential mortgage banking, agricultural lending, and traditional community banking. Merchants Bancorp, with $18.8 billion in assets and $11.9 billion in deposits as of December 31, 2024, conducts its business primarily through its direct and indirect subsidiaries, Merchants Bank of Indiana, Merchants Capital Corp., Merchants Capital Investments, LLC, Merchants Capital Servicing, LLC, Merchants Asset Management, LLC, and Merchants Mortgage, a division of Merchants Bank of Indiana.
Merchants Bank and Merchants Capital have recently been honored with the 2025 USA Today Top Workplaces recognition, ranking 22nd nationally within the 500-999 employee category. This is the second year that Merchants has been recognized with this award. These accolades build on our strong history of workplace recognition, including being named a Best Place to Work in Indiana for seven consecutive years (2016–2022). For more information read the entire article here.
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