2512-4 Portfolio Manager - Middle TN

Tnbankers; Milan (TN); On-site; USD 60,000 - 80,000; Full time

Job summary

A financial services organization located in Milan, TN, is seeking a Credit Analyst to conduct thorough credit risk assessments and manage commercial loan portfolios. The ideal candidate will leverage strong analytical skills and effective communication to support senior-level guidance in loan modifications and renewals. A Bachelor's degree is required, and an MBA is preferred, alongside experience in dealing with complex financial issues. Competitive salary and opportunities for advancement included.

Qualifications

• Ability to provide excellent customer service with clients.
• Strong analytical skills with attention to detail and accuracy.
• Ability to influence decision-making through advanced insights.

Responsibilities

• Collect and analyze borrower financial information.
• Meet with clients to clarify information and evaluate risks.
• Manage and monitor commercial loan portfolios.

Skills

Customer service

Analytical skills

Attention to detail

Communication skills

Microsoft Office

Education

Bachelor’s Degree

MBA or professional certification

Tools

Salesforce

Sageworks

Job description

• Collect, review, and analyze borrower financial information to ensure accuracy and completeness, and prepare advanced financial spreadsheets to conduct comprehensive credit risk assessments for complex financial structures.
• Meet with clients to clarify information, discuss analysis findings, address concerns, and evaluate ongoing risks to ensure financial and operational clarity.
• Meet timely with clients to complete loan modifications and loan renewals as needed to provide senior level support and guidance to credit analysts.
• Develop high impact, executive quality loan committee presentations with strategic recommendations on loan structures and draft precise term sheets for approved financing for the underwriting aspect performance in Middle TN.
• Manage and monitor commercial loan portfolios to ensure credit quality, compliance with financial covenants, and provide insights on performance analysis to inform management of credit risks and emerging trends.
• Maintain contact with high-risk borrowers to address deteriorating credit conditions, conduct on-site visits business performance, validate collateral, and assess broader macro-level risks.
• Oversee portfolio risk management, including leading and contributing to internal risk discussions, documenting borrower conditions, and managing special assets and charged-off loans with senior level oversight.
• Maintain accurate loan records in Salesforce and Sageworks as well as other systems, while collaborating with business advisory services to drive enhancements in portfolio reporting, risk analytics and data integrity.
• Other duties as assigned.

QUALIFICATIONS

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skills and/or abilities required. Ability to provide excellent customer service with clients, partners, stakeholders and team members. Strong Microsoft Office skills including Adobe, and ability to navigate multiple computer systems, applications, and utilize search tools. Knowledge of small business and commercial loan documentation, strong analytical skills with attention to detail and accuracy, excellent written, communication and interpersonal skills, ability to interact with all levels of the organization, ability to meet or exceed business goals and objectives, while fostering a team atmosphere. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Demonstrated mastery of commercial credit analysis, including the ability to evaluate complex financial structures, identify emerging risks, and develop strategic credit recommendations.

Ability to influence decision-making through advanced analytical insights and sound professional judgment.

EDUCATION AND EXPERIENCE

Bachelor’s Degree is required, advanced degree (MBA) or professional certification is strongly preferred. Five years of experience in job-related activities is preferred. Must have experience resolving and working through complex customer issues and the ability to perform in a fast paced, high demand environment while balancing multiple priorities.

Please submit all resumes to [e-mail].