Commercial Portfolio Manager — Credit Analysis & Lending

Extraco Banks; Temple (TX); On-site; USD 80,000 - 135,000; Full time

Job summary

Extraco Banks seeks a Portfolio Manager to support commercial loan portfolio management, underwriting, and credit administration. You will work with Commercial Lenders, Credit Administration, and internal teams to maintain portfolio quality and deliver exceptional service in Temple, TX.

The ideal candidate has experience in financial analysis, underwriting, and portfolio management, and is comfortable evaluating complex commercial relationships in a fast-paced banking environment to support

Qualifications

• Bachelor's degree in Finance, Accounting, Economics, Business, or related field preferred.
• Minimum of two years as a Credit Analyst, or one year as Commercial Lender with prior Credit Analyst training.
• Mastery of Moody's Lending Cloud required.
• Strong knowledge of commercial underwriting, financial statement analysis, cash flow analysis, and credit structuring.
• Excellent analytical, organizational, communication, and time-management skills.

Responsibilities

• Manage and monitor an assigned commercial loan portfolio to maintain strong credit quality and policy compliance.
• Perform underwriting and credit analysis for new loans, renewals, extensions, and modifications utilizing Moody's Lending Cloud.
• Analyze borrower financial statements, cash flow, collateral, and guarantor support.
• Assist lenders in preparing loan presentations, approval packages, and supporting credit documentation.
• Monitor portfolio performance, annual reviews, covenant compliance, and financial reporting requirements.
• Identify potential credit concerns and recommend appropriate risk management actions.
• Assist in the management and monitoring of criticized or higher-risk credits.
• Participate in customer meetings and relationship management activities as needed.
• Partner with Credit Administration, Commercial Specialists, and Loan Operations to ensure a smooth and efficient lending process.
• Support relationship growth by identifying opportunities to expand banking services.

Education

Bachelor's degree in Finance

High School Diploma

Tools

Moody's Lending Cloud

Job description

Extraco Banks seeks a Portfolio Manager to support commercial loan portfolio management, underwriting, and credit administration. You will work with Commercial Lenders, Credit Administration, and internal teams to maintain portfolio quality and deliver exceptional service in Temple, TX.

The ideal candidate has experience in financial analysis, underwriting, and portfolio management, and is comfortable evaluating complex commercial relationships in a fast-paced banking environment to support