Commercial Banking Portfolio & Credit Manager

Prosperity Bank and Trust Co; Austin (TX); On-site; USD 75,000 - 95,000; Full time

Job summary

Prosperity Bank and Trust Co in Austin, TX is seeking a Credit Underwriter who will analyze financial data for loan requests, monitor existing client relationships, and help manage the bank's loan portfolio to maintain quality and efficiency.

You will work with Relationship Managers and the Credit Department, prepare loan packages, participate in approvals, and support business development while ensuring compliance with credit policies.

Qualifications

• Bachelor’s degree (business concentration preferred)
• 2-3 years banking experience, primarily related to credit underwriting
• Proficient with Microsoft Word, Excel, PowerPoint and financial spreading software

Responsibilities

• Assist with due diligence/analysis of new client relationships and opportunity memos as appropriate.
• Manage the renewal process by working with the Relationship Manager, the client, & the credit department.
• Assist in the preparation of loan packages, make presentations, and participate in the bank’s loan approval process.
• Manage the process for approving and closing modifications/amendments/waivers to existing credit agreements.
• Assist Relationship Manager in coordinating the loan closing process for new and existing loan relationships (i.e. working with outside counsel and internal teams).
• Assist and joins Relationship Manager in business development calling efforts.
• Perform other administrative duties to maintain the loan portfolio (e.g., exception tracking, financial reporting, covenant compliance).
• Manage and oversee small loan/deposit portfolios.
• Ensure portfolio administration and risk management follows credit policy, procedures, and regulatory guidelines.
• Perform annual loan reviews as needed.
• Partner with the Relationship Manager as a liaison to customers and Credit Department and other internal partners.
• Monitor loan repayment activities and financial condition and take action on past due accounts.

Skills

Written skills

Analytical skills

Credit policy knowledge

Judgment

Problem solving

Planning

Public speaking

Communication

Confidentiality

MS Office

Education

Bachelor’s degree

Job description

Prosperity Bank and Trust Co in Austin, TX is seeking a Credit Underwriter who will analyze financial data for loan requests, monitor existing client relationships, and help manage the bank's loan portfolio to maintain quality and efficiency.

You will work with Relationship Managers and the Credit Department, prepare loan packages, participate in approvals, and support business development while ensuring compliance with credit policies.