Business Banking Credit & Portfolio Manager

Burke & Herbert Bank & Trust; Moorefield (WV); On-site; USD 70,000 - 100,000; Full time

Job summary

Burke & Herbert Bank & Trust seeks a seasoned analyst to support Business Banking Officers in managing the credit portfolio. You will review financial statements, test covenants, assess credit risk, and prepare risk-rate memos, while coordinating with lenders and credit risk teams.

The role emphasizes thorough credit analysis, covenant testing, and ensuring compliance with loan agreements, with opportunities to influence deal structuring and renewals.

Qualifications

• Bachelor's degree in business, accounting, or finance.
• 3+ years in commercial banking, portfolio management or underwriting.
• Formal credit training is preferred.

Responsibilities

• Review financial statements and covenant testing for credit risk and compliance.
• Prepare risk rate and covenant memos and support loan files.
• Structure transactions to meet client needs and bank requirements.
• Perform comprehensive credit analyses (cash flow, trends, sensitivity).
• Monitor ongoing compliance with covenants and reporting requirements.

Skills

Financial modeling

Credit analysis

Portfolio management

Lending policy knowledge

Communication skills

Team collaboration

Multitasking

LoanVantage

Education

Bachelor's degree in business/Accounting/Finance

3+ years commercial banking/portfolio management/underwriting

Formal credit training (preferred)

Tools

LoanVantage

Job description

Burke & Herbert Bank & Trust seeks a seasoned analyst to support Business Banking Officers in managing the credit portfolio. You will review financial statements, test covenants, assess credit risk, and prepare risk-rate memos, while coordinating with lenders and credit risk teams.

The role emphasizes thorough credit analysis, covenant testing, and ensuring compliance with loan agreements, with opportunities to influence deal structuring and renewals.