Credit Portfolio Manager I

Optus Bank, Inc.; United States; À distance; USD 65 000 - 95 000; Plein temps

Résumé du poste

Optus Bank, Inc. is seeking a Credit Analyst to evaluate the creditworthiness of new and renewing borrowers. You will analyze financial statements and industry data, prepare credit memoranda, and collaborate with Lending Team to ensure timely, compliant loan decisions.

The role requires 3–5 years of credit analysis experience in commercial lending, with at least 2 years in portfolio management or underwriting. Strong Excel and MS Office skills are essential for success.

Qualifications

• 3–5 years of credit analysis experience in commercial lending.
• At least 2 years in portfolio management or credit underwriting.
• Proficient in Microsoft Office; Excel expertise.

Responsabilités

• Analyzes financial and industry data of borrowers to determine creditworthiness.
• Prepares and interprets financial statement spreads and provides loan structure recommendations.
• Documents credit analyses and prepares memoranda for senior management and loan committee.
• Ensures loan structures comply with bank policies and regulations.
• Participates in Loan Committee meetings to present packages.

Connaissances

Analytical skills

Excel

Written & spoken communication

Interpersonal skills

Sageworks Analyst

Formation

Relevant banking/finance education

Outils

Microsoft Office Suite

Sageworks Analyst

Description du poste

Job Type

Full-time

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.
• 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.