Commercial Loan Portfolio Manager

Prosperity Bank and Trust Co; Lubbock (TX); On-site; USD 65,000 - 90,000; Full time

Job summary

Prosperity Bank is seeking a Credit Underwriter to manage underwriting, monitoring, and portfolio responsibilities for Commercial Banking relationships. You will analyze financial data, monitor client performance, and assist in loan portfolio organization to maintain credit quality and efficiency.

The role requires 2–3 years banking experience in credit analysis/underwriting with strong written and analytical skills, proficiency in Word/Excel/PowerPoint, and the ability to work with

Qualifications

• Bachelor’s degree (business concentration preferred).
• Proficient with Microsoft Word, Excel, Power Point and financial spreading software.
• Has 2-3 years of banking experience, primarily related to credit analysis/underwriting.
• Demonstrates strong written and analytical skills.
• Strong understanding of credit policy and procedures and ability to evaluate cash-flow and collateral-based credits.
• Ability to make appropriate judgments and decisions with limited guidance.
• Ability to deal with complex problems involving multiple facets and variables in non-standardized situations.
• Excellent planning and organizational skills with ability to work independently on high-complexity projects.
• Strong public speaking and presentation skills.
• Excellent written and verbal communications skills.
• Ability to maintain confidentiality and instill trust.
• Proficient in Word, Excel, and PowerPoint; multitask is essential.

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 document preparation groups, reviewing loan documents, closing loans with clients).
• Assist and join Relationship Manager in business development calling efforts.
• Perform other administrative duties required for the maintenance the loan portfolio (exception tracking, financial reporting and covenant compliance).
• Manage and oversee small loan/deposit portfolios.
• Ensure the portfolio administration and risk management of each client relationship follows the established credit policy, procedure, and business strategy as well as regulatory guidelines.
• Perform annual loan reviews as needed.
• Partner with the Relationship Manager as a point of contact for existing and prospective clients; liaising with Credit Department, Commercial support staff and other internal partners.
• Monitor loan repayment activities and financial condition of borrowing clients and take necessary action to collect past due accounts.
• Agreeable to work overtime as needed to meet deadlines.
• Participates in community and business functions to ensure a positive image for the bank.
• Perform other duties and special projects as needed.

Skills

Analytical skills

Written communication

Decision making

Multitasking

Education

Bachelor’s degree

Tools

Microsoft Word

Excel

PowerPoint

Financial spreading software

Job description

Prosperity Bank is seeking a Credit Underwriter to manage underwriting, monitoring, and portfolio responsibilities for Commercial Banking relationships. You will analyze financial data, monitor client performance, and assist in loan portfolio organization to maintain credit quality and efficiency.

The role requires 2–3 years banking experience in credit analysis/underwriting with strong written and analytical skills, proficiency in Word/Excel/PowerPoint, and the ability to work with