Credit Portfolio Manager I

Optus Bank, Inc.; Columbia (SC); Sur place; USD 65 000 - 90 000; Plein temps

Résumé du poste

Optus Bank, Inc. in Columbia, SC seeks a Credit Analyst to support Credit Administration in assessing financial capacity and creditworthiness of borrowers.

The role involves helping manage risk in the credit portfolio through periodic testing and reviews, collaborating with the Lending Team and other departments. Ideal candidates have strong financial analysis and communication skills, with the ability to interact with clients and internal stakeholders, participate in Loan Committee meetings,

Qualifications

• Minimum 3-5 years of commercial credit analysis experience.
• At least 2 years in portfolio management or credit underwriting.
• Proficient with Microsoft Office Suite and related applications, including Excel, Word, and PowerPoint.
• Strong analytical and research skills.
• Excellent written and verbal communication.
• Experience with financial analysis software (Sageworks Analyst) is a plus.

Responsabilités

• Analyzes financial and industry data of borrowers to determine creditworthiness.
• Prepares and interprets financial spreads; provides loan structure recommendations.
• Conducts background checks on borrowers and related parties for credit packages.
• Produces written credit memoranda for Senior Credit Management and Loan Committee.
• Ensures loan structures comply with bank policies and regulations.
• Participates in weekly Loan Committee meetings to present credit packages.

Connaissances

Analytical thinking

Interpersonal skills

Communication

Formation

Finance degree

Banking certificate

Outils

Microsoft Excel

Microsoft Word

PowerPoint

Sageworks Analyst

Description du poste

Description

Optus Bank is on a mission to empower our communities to build wealth and live better financial lives. We've expanded significantly in recent years, serving customers across the U.S. with personalized banking and advanced digital solutions, led by exceptional bankers.

Position Summary

This role supports Credit Administration in the assessment of financial capacity, and credit worthiness of new and existing borrowers. This team member will also support the Credit and Lending Teams in managing risk within the Bank’s credit portfolio through periodic testing and reviews. Individuals in this position will have excellent credit and financial analysis skills, as well as the interpersonal skills needed to collaborate with both team members and clients of the Bank.

Essential Duties And Responsibilities

• Analyzes financial and industry data of borrowers with a moderate to high level of complexity to determine the creditworthiness of new and renewal credit applicants.


• Prepares and interprets financial statement spreads, and provides loan structure, approval, and declination recommendations.


• Conducts background investigation on borrowers, including industry information, personal and/or company background/history, and other information necessary to complete the credit approval package.


• Provides written credit memoranda for submission to Senior Credit Management and Loan Committee members, which include background information on the borrower and guarantor, financial analysis of all related parties, and detailed credit risk analysis and mitigation via a thoughtful and factual discussion.


• Ensures that loan structures adhere to bank credit policies and federal and state regulations.


• Participates in weekly Loan Committee Meetings to present credit packages for deliberation of approval.


• Attends additional meetings as necessary.


• Works with Lending Team to expedite collection of current and accurate financial data for periodic evaluations or requests for new credit.


• Provides ongoing portfolio management of existing loans via periodic credit reviews, to include covenant testing, risk grade evaluations, and annual or problem loan review memoranda.


• Collaborates with Loan Officers, Credit Administration, Loan Operations, and other departments to expedite the loan's progression from underwriting to closing.


• Attend client meetings online, (or in person depending on location) with Loan Officers as requested.


• Complies with all Fair Lending and Equal Credit Opportunity requirements for all bank borrowers.


• Must be capable of interacting effectively with a wide variety of stakeholders


• Accepts additional tasks as assigned

Requirements

Knowledge, Skills, Abilities and Education

• Experience: minimum 3-5 years of credit analysis experience, commercial (required) and consumer, with at least 2 years of portfolio management or credit underwriting experience.


• Relevant work experience and/or certificates, or graduation from a recognized institution of banking or finance may also be considered.


• Must be proficient with Microsoft Office Suite and related applications, including Excel, Word, and PowerPoint.


• Effective Project Management Skills.


• Strong analytical and research skills


• Strong oral and written communication skills


• Exhibits outstanding interpersonal and customer service skills.


• Experience working with financial analysis software. Sageworks Analyst a plus.


• Ability to work independently and as a member of a project team.


• Ability to adapt to changing priorities while maintaining a positive attitude


• Ability to prioritize workload and meet deadlines.