Commercial Portfolio Manager & Credit Analysis

Job Summary:

Responsible for managing a moderately complex portfolio of commercial and/or consumer loans to support asset quality, profitability, and relationship management goals of the bank.

Education/

Experience:

A minimum of the following education/experience is required:

Associate’s degree in finance or business administration and 5 years’ experience in commercial lending or credit analysis; OR Bachelor’s degree in finance or business administration and 2 years’ experience in commercial lending or credit analysis

Job Specific Responsibilities:

Manages and monitors an assigned loan portfolio, including commercial, real estate, agricultural, or consumer credits, as applicable.

Performs comprehensive financial analysis, including cashflow, global debt service coverage, collateral evaluation, and covenant compliance.

Identifies and proactively addresses credit risk, trends, and potential problem loans.

Prepares and presents credit memoranda, renewals, modifications, and extensions in accordance with bank policy.

Ensures loan documentation, collateral perfection, and credit files meet internal policy and regulatory requirements.

Monitors covenant compliance, financial reporting requirements, and exception tracking.

Assists in internal and external audits, loan reviews, and regulatory examinations.

Supports criticized and classified asset management efforts, including workout strategies when needed.

Partners with commercial lenders and relationship managers to support new loan requests, renewals, and ongoing portfolio servicing.

Participates in customer meetings as needed to discuss financial performance and credit structure.

Serves as a resource to lenders regarding credit structure, policy interpretation, and risk mitigation.

Prepares periodic portfolio reports, risk ratings, and concentration analyses.

Other duties as assigned.

Required Technical Knowledge:

General computer skills

Microsoft Office, specifically Word and Excel Expectations of an Employee:

Works well independently

Treats all customers and fellow employees with respect

Exceeds customer expectations

Meets customer needs

Maintain confidentiality of all bank records

Conducts interactions with honest, ethical, and strong moral principles

Performs at the highest level

Takes responsibility for actions

Does what is expected

Leads by example and takes initiative

Works as a team Efficiently shares information in a collaborating and proactive manner

Pays attention to detail

Solves problems

Makes sound decisions

Manages time effectively

Prioritizes effectively

Performs multiple tasks simultaneously

Shows up for work and is on time Complies with all laws and regulations

Completes all required training

Adheres to Bank Values

Supervisory Responsibilities:

None Amount of Travel:
None

Physical Requirements:

May need to sit/stand for long periods of time Sustained visual concentration while working at the computer

Typing on a keyboard for long periods of time Handle high stress environment

Maintain professional appearance

Benefits Include:

Medical, Rx, Dental, and Vision insuranceHSA, FSA, and Limited FSAEmployer paid and voluntary Life Insurance/AD&DShort-Term Disability Long-Term Disability Accident/Hospital Indemnity/Critical Illness voluntary plans

Identify Theft Protection
401k with employer match

Vacation, Sick Leave, and Holiday pay Tuition Reimbursement Gym membership discounts

Annual payrate increases

Incentive based bonuses

It is the policy of First Bank Southwest to provide equal opportunity employment (EOE) to all persons regardless of age, color, national origin, citizenship status, physical or mental disability, race, religion, creed, gender, sex, sexual orientation, gender identity and/or expression, genetic information, marital status, status with regard to public assistance, veteran status, or any other characteristic protected by federal, state, or local law.

In addition, First Bank Southwest will provide reasonable accommodations for qualified individuals with disabilities. First Bank Southwest is an affirmative action employer.
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