Commercial Portfolio Manager I

Location: College Station, TX

Summary

Provides support to commercial relationship managers which includes: preparation of credit approval packages, annual reviews, renewals of credits, credit and non-credit proposals, coordination of loan closings and non-credit account set-ups. Acts as a secondary contact on client relationships. Coordinates credit and loan portfolio administration support for several commercial relationship managers.

Responsibilities

• Provides accurate financial analysis and risk assessment of new and existing clients.
• Reviews and spreads financial statements and prepares comprehensive financial analysis on the creditworthiness of the borrower.
• Underwriting, structuring, and risk rating of credit requests for new and existing client relationships.
• Prepares FACT sheets and credit approval packages and presentation documents.
• Responsible for ensuring all reviews and renewals of C&I and CRE loans are reviewed and re-documented (if necessary) timely, prior to becoming an administrative past due issue.
• Responsible for monitoring of covenants, covenant compliance, borrowing base certificates and other conditions of credit.
• May participate in on-site client visit with commercial relationship manager.
• Interprets and evaluates consumer credit bureau reports, Dun & Bradstreet business reports and public records.
• May perform other tasks and assist in projects as needed.

Requirements

• Bachelor’s Degree in Business, Finance, Accounting or related discipline.
• 7+ years previous commercial portfolio experience or commercial loan and underwriting experience in a financial services environment.

Qualifications

• Excellent oral and written communication skills
• Ability to make sound transactional decisions to ensure polices and directives are met.
• Ability to promote a client-service environment responding to client concerns as well as ongoing client relationship support.
• Ability to effectively interact with credit administration.
• Demonstrates understanding of credit servicing.
• Knowledgeable of computer systems including databases, Microsoft Office products, etc.
• Experience with credit analysis software.