COMMERCIAL PORTFOLIO MANAGER I

American Momentum Bank; College Station, Bryan (TX, TX); On-site; USD 65,000 - 90,000; Full time

Job summary

American Momentum Bank in College Station, TX is looking for a Commercial Credit Analyst to support relationship managers by preparing credit approval packages, annual reviews, renewals, and portfolio administration.

You will analyze financial statements, underwrite requests, monitor covenants, and coordinate loan closings while maintaining high client-service standards and collaborating with credit administration.

Qualifications

• Bachelor’s degree in business/finance/accounting or related field.
• 3+ years of commercial portfolio or loan underwriting experience.
• Strong analytical and communication skills.

Responsibilities

• Provide accurate financial analysis and risk assessment of clients.
• Review and spread financial statements and assess creditworthiness.
• Underwrite, structure, and rate risk for credit requests.
• Prepare FACT sheets and credit approval documents.
• Ensure timely reviews and renewals of loans are re-documented.
• Monitor covenants and borrowing base certificates.
• Participate in on-site client visits when needed.
• Interpret credit bureau and public records reports.
• Assist in projects as needed.

Skills

Excellent oral communication

Excellent written communication

Sound transactional decisions

Client-service orientation

Credit servicing knowledge

Computer literacy

Credit analysis software

Microsoft Office

Education

Bachelor’s degree in Business/Finance/Accounting or related discipline

Tools

Credit analysis software

Microsoft Office

Job description

Provides support to commercial relationship managers which includes: preparation of credit approval packages, annual reviews, renewals of credits, credit and non-credit proposals, coordination of loan closings and non-credit account set-ups. Acts as a secondary contact on client relationships. Coordinates credit and loan portfolio administration support for several commercial relationship managers.

Job Functions:

• Provides accurate financial analysis and risk assessment of new and existing clients.
• Reviews and spreads financial statements and prepares comprehensive financial analysis on the creditworthiness of the borrower.
• Underwriting, structuring, and risk rating of credit requests for new and existing client relationships.
• Prepares FACT sheets and credit approval packages and presentation documents.
• Responsible for ensuring all reviews and renewals of C&I and CRE loans are reviewed and re-documented (if necessary) timely, prior to becoming an administrative past due issue.
• Responsible for monitoring of covenants, covenant compliance, borrowing base certificates and other conditions of credit.
• May participate in on-site client visit with commercial relationship manager.
• Interprets and evaluates consumer credit bureau reports, Dun & Bradstreet business reports and public records.
• May perform other tasks and assist in projects as needed.

Position Requirements:

• Bachelor’s Degree in Business, Finance, Accounting or related discipline.
• 3+ years previous commercial portfolio experience or commercial loan and underwriting experience in a financial services environment.

Key Qualifications:

• Excellent oral and written communication skills
• Ability to make sound transactional decisions to ensure polices and directives are met.
• Ability to promote a client-service environment responding to client concerns as well as ongoing client relationship support.
• Ability to effectively interact with credit administration .
• Demonstrates understanding of credit servicing.
• Knowledgeable of computer systems including databases, Microsoft Office products, etc.
• Experience with credit analysis software.