Loan Portfolio Analyst

Schertzbank; Schertz (TX); On-site; USD 65,000 - 90,000; Full time

Job summary

Schertzbank is seeking a Portfolio Analyst in Schertz to support loan officers in managing a portfolio of commercial loans. You will contact customers for financial documents, review statements, and prepare required forms and reports, collaborating with the Credit Department to evaluate risk.

Ideal candidates have a Bachelor's degree in finance or related field and at least five years of experience in commercial lending.

Qualifications

• Bachelor’s degree in Finance, Accounting, Economics or related Business field.
• Minimum of 5 years of applicable experience in Commercial Lending/Credit.

Responsibilities

• Manage ticklers, exceptions and covenants within assigned loan portfolio.
• Manage maturing loans to ensure continued compliance with lending criteria and make recommendations for renewals.
• Review and analyze the credit worthiness and trends of individuals, companies and/or organizations via financial statements, tax returns, credit reports, and other relevant documentation.
• Complete and submit forms including loans modifications, risk rating forms and classified asset reports.
• Review and submit collateral reports such as borrowing bases and draws.
• Assist in collection efforts and collaborate with outside counsel of the Bank when necessary.
• Assist with projects and exams as assigned.
• Attend/complete assigned training.
• Comply with and enforce all Bank policies/procedures and regulatory requirements/laws.
• Maintain Company and customer confidentiality.
• Perform additional duties as assigned.

Skills

Interpersonal skills

Professional demeanor

Analytical thinking

Organizational skills

Time management

Prioritization

Financial market knowledge

Education

Bachelor's degree in Finance/Accounting/Economics or related field

Tools

Excel

Financial modeling tools

Job description

Overview

Position: Portfolio Analyst — Full Time | Reports to: Chief Credit Officer | Department: Credit | Location: Schertz-Main Location | FLSA Status: Exempt

Summary: The Portfolio Analyst supports loan officers in managing a portfolio of loans (primarily commercial loans). This role involves contacting customers to obtain financial and collateral documents, reviewing and analyzing financial statements, and completing required forms and reports. The Portfolio Analyst collaborates with Loan Officers, the Credit Department, and Loan Operations to ensure effective management and risk evaluation of the assigned loan portfolio.

Responsibilities

• Manage ticklers, exceptions and covenants within assigned loan portfolio.
• Manage maturing loans to ensure continued compliance with lending criteria and make recommendations for renewals.
• Review and analyze the credit worthiness and trends of individuals, companies and/or organizations via financial statements, tax returns, credit reports, and other relevant documentation.
• Complete and submit forms including loans modifications, risk rating forms and classified asset reports.
• Review and submit collateral reports such as borrowing bases and draws.
• Assist in collection efforts and collaborate with outside counsel of the Bank when necessary.
• Assist with projects and exams as assigned.
• Attend/complete assigned training.
• Comply with and enforce all Bank policies/procedures and regulatory requirements/laws.
• Maintain Company and customer confidentiality.
• Perform additional duties as assigned.

Education and Experience

• Bachelor’s Degree in Finance, Accounting, Economics or related Business field.
• A minimum of 5 years of applicable experience in Commercial Lending/Credit may be substituted for the above educational requirement.

Skills

• Effective written and verbal interpersonal skills and ability to work well with customers and internal teams.
• Maintains professional demeanor at all times.
• Strong analytical, critical thinking and organizational skills.
• Detail-oriented.
• Ability to work independently and possess excellent time management and prioritization skills.
• Proficient in financial and office software (Excel, financial modeling tools, etc.).
• Strong understanding of financial market conditions.