Credit Portfolio Manager II

Optus Bank, Inc.; United States; Remoto; USD 85.000 - 110.000; Tempo pieno

Descrizione del lavoro

Optus Bank is seeking a Senior Credit Analyst to join our Credit Administration team. You will assess financial capacity and creditworthiness of borrowers, prepare memoranda, and support loan committee reviews.

The role requires deep financial analysis, portfolio management experience, and collaboration with loan officers and other departments to ensure compliant, timely credit decisions. You will mentor junior staff and contribute to risk assessment and covenant testing across the loan

Competenze

• 5+ years of credit analysis experience in commercial lending.
• Portfolio management or underwriting experience of at least 3 years.
• Proficiency with Microsoft Office; Excel, Word, PowerPoint.
• Strong written and verbal communication; leadership capability.
• Ability to adapt to changing priorities and meet deadlines.

Mansioni

• Analyzes financial and industry data of borrowers to determine creditworthiness for new and renewal credit applications.
• Prepares and interprets financial statement spreads; recommends loan structure and approvals/declinations.
• Performs background investigations on borrowers and related parties for credit packages.
• Provides written credit memoranda for Senior Credit Management and Loan Committee review.

Conoscenze

Credit analysis

Portfolio management

Analytical mindset

Communication skills

Leadership

Interpersonal skills

Time management

Independent work

Formazione

Degree in finance or banking

Strumenti

Sageworks Analyst

Excel

Word

PowerPoint

Descrizione del lavoro

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 withing 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.
• Collaborates with loan officers to collect 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.
• Mentors junior team members and reviews work for accuracy.
• Exhibits outstanding interpersonal and customer service skills.
• Must be capable of interacting effectively with a wide variety of stakeholders.
• Accepts additional tasks as assigned.

Requirements

Knowledge, Skills, and Abilities:

• Experience: 5+ years of credit analysis, commercial (required) and consumer lending experience, with at least three 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
• Strong leadership skills
• Exhibits outstanding interpersonal and customer service skills.
• Experience working with financial analysis software. Sageworks Analyst a plus.
• Experience working with financial analysis software a plus.
• Experience with syndicated and SBA lending 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.