Commercial Credit & Portfolio Manager

Burke & Herbert Bank & Trust; Huntington (WV); On-site; USD 95,000 - 165,000; Full time

Job summary

Qualifications

• Bachelor’s degree in business, Accounting, Finance or related field

Responsibilities

• Determine borrowing customer’s needs and develop appropriate loan structure in collaboration with Commercial Banking Executives.
• Request, Review and Spread company/guarantor financial information.
• Complete thorough, accurate, and in-depth analysis of new credit requests in a timely manner.
• Maintain good working knowledge of the Bank’s lending policies and procedures and identify exceptions to credit policy.
• Recommend appropriate risk ratings in accordance with credit policy guidelines.
• Attend meetings and/or conference calls on transactions, lead due diligence discussions and develop deal indicative term sheets and deal screen presentations.
• Structure transactions appropriately that meet client’s needs and bank’s requirements.
• Perform comprehensive credit analysis (cash flow analysis, trend analysis, sensitivity analysis etc.) for deal screens and assist in presentation to credit committee in support of approval.
• Monitor, review and evaluate ongoing compliance with financial covenants and reporting requirements.
• Assist with renewals, extensions and annual credit reviews, as needed.

Job description