Credit Analyst​/Portfolio Manager

Benefits

• 401(k) matching
• Opportunity for advancement
• Training & development

We are seeking a motivated and detail-oriented individual to join our team as a Credit Analyst/Portfolio Manager. This role is designed as a developmental pathway into a future Lending position. The successful candidate will begin by supporting the credit and portfolio management functions, gaining deep insight into underwriting, risk assessment, and relationship management. Over time, and with demonstrated performance, the role will transition into direct lending responsibilities.

• Analyze financial statements, tax returns, and other relevant documents to assess creditworthiness.
• Prepare detailed credit presentations for loan requests.
• Assist in structuring loan terms and conditions in alignment with policy and risk appetite.
• Collaborate with lenders and loan operations to ensure timely and accurate loan processing.
• Participate in loan committee presentations and discussions.
• Completes reviews on all credit relationships as assigned, including a complete analysis of financial statements, collateral evaluation, payment history, risk rating review and any adverse industry or economic changes.

• Manage assigned loan portfolios, ensuring proactive communication with borrowers.
• Identify opportunities for portfolio growth and cross‑selling of bank products.
• Support loan renewals, modifications, and annual reviews.
• Assist in managing delinquencies and workout strategies when necessary.
• Build relationships with clients and internal stakeholders to support long‑term success.
• Contribute to strategic growth initiatives and community engagement.
• Focus on building a network of centers of influence and trusted referral sources.
• Shadow experienced lenders and participate in client meetings.

• Begin originating new loan opportunities.
• Develop a personal portfolio of clients and prospects.

• Participate in special projects or assignments as necessary.
• Perform other duties as required to fulfill the responsibilities of the position.
• Follow procedures and policies that ensure compliance with not only Bank policies and procedures, but also all applicable federal and state banking regulatory agency policies.
• Comply with bank standards for attendance and hours of work.

• Bachelor’s degree from four‑year college or university and/or relevant industry experience.
• Experience in credit analysis, banking, or financial services is strongly preferred.
• Strong analytical, communication, and organizational skills.
• Proficiency in financial modeling.
• Desire to grow into a client‑facing lending role.

• Adaptability: Able to adjust quickly to different work situations; remain composed under pressure and in stressful situations.
• Attention to Detail: Regard for important details to assure accuracy in every transaction performed; detect errors; follow through on corrections and details.
• Change Management: Must embrace change and see change as opportunity. Must be willing to express and support management's ideas to affected staff.
• Customer Orientation: Respond sensitively to the needs and priorities of the customer; recognize and take appropriate action to meet their needs; establish an effective working relationship with customers to gain their respect and loyalty.
• Oral/Written Communication: The ability to express thoughts and ideas in a clear and concise manner, both orally and in written form to a variety of audiences and to all levels of staff.
• Professionalism: Project a positive image of the bank to all internal and external customers.
• Time Management: Ability to effectively manage one’s time to complete work according to established deadlines. The ability to prioritize tasks to make the best use of time for high priority tasks.
• Team Player: Must view oneself as part of an overall team. This includes supporting others throughout the entire bank to achieve the overall goals of the bank.

The work environment characteristics described here are…