Commercial Credit & Portfolio Manager

Prosperity Bank; Austin (TX); On-site; USD 75,000 - 110,000; Full time

Job summary

Prosperity Bank in Austin, TX is seeking an experienced Commercial Credit Underwriter to manage banking relationships, analyze financial data, and support efficient loan processes.

You will assist in due diligence, prepare loan packages, monitor risk, and coordinate closings while collaborating with Relationship Managers and the Credit Department to uphold credit quality and regulatory compliance, helping grow client portfolios. This role offers growth opportunities in a community-focused bank.

Qualifications

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

Responsibilities

• Assist with due diligence/analysis of new client relationships and opportunity memos.
• Manage the renewal process with Relationship Manager, client, and credit department.
• Assist in preparing loan packages, making presentations, and participating in loan approvals.
• 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.
• Assist and join Relationship Manager in business development calling efforts.
• Perform other administrative duties for the loan portfolio and covenant compliance.
• Manage and oversee small loan/deposit portfolios.
• Ensure portfolio administration follows credit policy and regulatory guidelines.
• Perform annual loan reviews as needed.

Skills

Written communication

Analytical skills

Credit policy understanding

Decision making

Complex problem solving

Planning and organization

Public speaking

Verbal communication

Multitasking

Education

Bachelor’s degree (business concentration preferred)

Tools

Microsoft Word

Excel

PowerPoint

financial spreading software

Job description

Prosperity Bank in Austin, TX is seeking an experienced Commercial Credit Underwriter to manage banking relationships, analyze financial data, and support efficient loan processes.

You will assist in due diligence, prepare loan packages, monitor risk, and coordinate closings while collaborating with Relationship Managers and the Credit Department to uphold credit quality and regulatory compliance, helping grow client portfolios. This role offers growth opportunities in a community-focused bank.