Credit Portfolio Manager - Commercial Lending & Structuring

Burke & Herbert Bank; Lancaster (Lancaster County); On-site; USD 90,000 - 130,000; Full time

Job summary

Burke & Herbert Bank in Lancaster, PA is seeking a Portfolio Manager to support Commercial Banking Executives in origination of new loans and management of the credit portfolio. You will work with origination team and credit risk management to structure transactions, review financial statements, conduct due diligence, assess credit risk and prepare deal presentations.

Responsibilities include analyzing cash flows, determining borrowing needs, developing loan structures, reviewing financial info,

Qualifications

• Bachelor’s degree in business, Accounting, Finance or related field.
• Three or more years of underwriting and account management experience, preferably within a commercial lending environment.

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 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.

Skills

financial modeling

credit evaluation

financial analysis

communication

organizational skills

teamwork

multitasking

Microsoft Office

banking systems

Education

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

Tools

LoanVantage

Microsoft Office

Job description

Burke & Herbert Bank in Lancaster, PA is seeking a Portfolio Manager to support Commercial Banking Executives in origination of new loans and management of the credit portfolio. You will work with origination team and credit risk management to structure transactions, review financial statements, conduct due diligence, assess credit risk and prepare deal presentations.

Responsibilities include analyzing cash flows, determining borrowing needs, developing loan structures, reviewing financial info,