Portfolio Manager

InBank; Greenwood Village (CO); Presencial; USD 70.000 - 110.000; Jornada completa

Descripción de la vacante

InBank in Greenwood Village, CO seeks a Credit Analyst to collect, compile, and analyze credit information to support lending decisions for commercial requests across C&I, Real Estate, SBA, and more. You will collaborate with Bankers, Portfolio Managers, and Credit Administration to assess risk and determine the proper action to protect credit quality.

You will review accounts, run financial analyses, and ensure documentation meets bank policies and regulatory requirements while aligning with

Formación

• Conduct credit and statistical analyses for commercial requests including C&I, Real Estate, Agricultural, Construction, Private Banking, and SBA.
• Prepare financial spreads, cash flows, and credit displays with accurate documentation.
• Assist covenant tests, portfolio monitoring, and annual reviews.
• Organize financial statements, tax returns, appraisals, rent rolls and collateral materials to assess credit risk.
• Calculate financial ratios relevant to transactions and support loan renewals and credit exceptions.

Responsabilidades

• Conduct credit and statistical analyses for C&I, Real Estate, Agricultural, Construction, Private Banking, SBA and other commercial requests. Analyze output to include spreads, cash flows, and credit displays with accurate, thorough and thoughtful documentation. In addition, assist in completing covenant tests, portfolio monitoring, and annual reviews.
• Organize, analyze, and summarize financial statements, cash flow data, tax returns, appraisals, rent rolls/tenant leases, collateral support, Borrower/Guarantor credit histories and other related materials in process of analyzing credit requests. Identify key credit risks and mitigating factors and provide a summary of credit-worthiness and risk involved of client and transaction.
• Collect and compile pertinent credit data to prepare financial spreads, cash flows and credit displays. Assist Bankers and Loan Assistants with ongoing portfolio monitoring (financial reporting, loan covenants, annual reviews, etc.) of Customers' financial performance based on existing Bank polices and loan agreements. Manage loan renewal and credit exceptions.
• Calculate pertinent financial ratios appropriate for transactions and other financial data as appropriate.
• Collaborate with Bankers on joint calls with existing and potential customers to better understand lending deal and make appropriate recommendations.
• Maintain current knowledge and follow all bank financial and security regulations and procedures.
• Embody, embrace, and demonstrate InBank's Core Values: Commitment, Innovation, Responsibility, Teamwork, Happiness, and Authenticity.
• Other duties as assigned

Descripción del empleo

SUMMARY OF JOB:

Collect, compile, and analyze credit information for Portfolio Managers, Bankers, and Credit Administration to facilitate portfolio monitoring and lending decisions for commercial credit requests (C&I, Real Estate, Agricultural, Construction, Private Banking, SBA, etc.) for both existing and prospective customers. Will work closely with Customers, Bankers, Portfolio Managers and Credit Administration to review customer accounts and portfolios in order to identify, evaluate, and determine the appropriate course of action in order to maximize credit quality and minimize risk and potential loss to the Bank.

SUMMARY OF JOB:

Collect, compile, and analyze credit information for Portfolio Managers, Bankers, and Credit Administration to facilitate portfolio monitoring and lending decisions for commercial credit requests (C&I, Real Estate, Agricultural, Construction, Private Banking, SBA, etc.) for both existing and prospective customers. Will work closely with Customers, Bankers, Portfolio Managers and Credit Administration to review customer accounts and portfolios in order to identify, evaluate, and determine the appropriate course of action in order to maximize credit quality and minimize risk and potential loss to the Bank.

ESSENTIAL JOB RESPONSIBILITES:

• Conduct credit and statistical analyses for C&I, Real Estate, Agricultural, Construction, Private Banking, SBA and other commercial requests. Analyze output to include spreads, cash flows, and credit displays with accurate, thorough and thoughtful documentation. In addition, assist in completing covenant tests, portfolio monitoring, and annual reviews.
• Organize, analyze, and summarize financial statements, cash flow data, tax returns, appraisals, rent rolls/tenant leases, collateral support, Borrower/Guarantor credit histories and other related materials in process of analyzing credit requests. Identify key credit risks and mitigating factors and provide a summary of credit-worthiness and risk involved of client and transaction.
• Collect and compile pertinent credit data to prepare financial spreads, cash flows and credit displays. Assist Bankers and Loan Assistants with ongoing portfolio monitoring (financial reporting, loan covenants, annual reviews, etc.) of Customers' financial performance based on existing Bank polices and loan agreements. Manage loan renewal and credit exceptions.
• Calculate pertinent financial ratios appropriate for transactions and other financial data as appropriate.
• Collaborate with Bankers on joint calls with existing and potential customers to better understand lending deal and make appropriate recommendations.
• Maintain current knowledge and follow all bank financial and security regulations and procedures.
• Embody, embrace, and demonstrate InBank's Core Values: Commitment, Innovation, Responsibility, Teamwork, Happiness, and Authenticity.
• Other duties as assigned