Credit Portfolio Manager I: Risk & Underwriting Expert

Optus Bank, Inc.; United States; Remote; USD 65,000 - 95,000; Full time

Job summary

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.

Responsibilities

• 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.

Skills

Analytical skills

Excel

Written & spoken communication

Interpersonal skills

Sageworks Analyst

Education

Relevant banking/finance education

Tools

Microsoft Office Suite

Sageworks Analyst

Job description

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.