Portfolio Manager

Jobtailor

New Mexico

On-site

USD 65,000 - 90,000

Full time

14 days+

Get more replies from employers

Send a job-specific resume in minutes.

Job summary

Jobtailor in New Mexico seeks an experienced Business Loan Underwriter to support portfolio management, underwriting and credit analysis for loans typically over $500,000. You will partner with relationship managers, analyze financial statements, and present structured credit solutions to the Underwriter.

The role emphasizes accuracy, independent work, and timely client communication. Proficiency in Capital Stream/FIS/BIS and Excel is a plus; prior business loan experience is required.

Qualifications

Bachelor’s Degree in Business, Accounting, Finance, or related area with at least 6 hours of accounting.
At least 1 year of Business Loan experience for loans up to $5MM.
At least 1 year of credit analysis experience.
Equivalent combination of education and experience accepted.
Credit decision-making skills and ability.
Financial analytical skills and ability to solve complex problems by interpreting data and results.
Excellent writing skills for creating credit memos.
Excellent verbal and interpersonal skills to communicate with sales force and credit managers.
Ability to work independently.
Proficiency in Excel and Word for creating tables and worksheets for credit memos.
2 years of Business Loan credit underwriting is a bonus.
Knowledge of Capital Stream and FIS/BIS is a bonus.
Strategic thinking and ability to envision the future state of the portfolio is a bonus.

Responsibilities

Assist Business Banking and Practice Finance officers with portfolio management activities for generally loans over $500,000 reviewed, decisioned, and managed by the Business Banking Loan Center
Partner with and support relationship managers and client managers
Perform credit underwriting for renewals, modifications, term changes, credit reviews, and reaffirmations
Analyze business and personal financial statements and perform financial spreading with the underwriting team
Present solutions for credit structure, covenants, financial reporting requirements, and other credit conditions to the Underwriter
Continuously monitor the portfolio, including loan exceptions, BBC, covenants, past dues, and other portfolio activities
Recognize and manage recurring early warning signs according to established protocols
Provide specialized risk guidance and advice on watch list credits across a multi-state geographical footprint
Secure financial information and test covenant requirements
Provide timely client follow-up and ensure loan servicing actions, including collections, demand letters, lawsuits, and liquidations, are properly administered
Perform site visits when needed
Address complaints, resolve documentation exceptions, and resolve covenant requirement violations
Perform other duties as assigned

Job description

Assist Business Banking and Practice Finance officers with portfolio management activities for generally loans over $500,000 reviewed, decisioned, and managed by the Business Banking Loan Center
Partner with and support relationship managers and client managers
Perform credit underwriting for renewals, modifications, term changes, credit reviews, and reaffirmations
Analyze business and personal financial statements and perform financial spreading with the underwriting team
Present solutions for credit structure, covenants, financial reporting requirements, and other credit conditions to the Underwriter
Continuously monitor the portfolio, including loan exceptions, BBC, covenants, past dues, and other portfolio activities
Recognize and manage recurring early warning signs according to established protocols
Provide specialized risk guidance and advice on watch list credits across a multi-state geographical footprint
Secure financial information and test covenant requirements
Provide timely client follow-up and ensure loan servicing actions, including collections, demand letters, lawsuits, and liquidations, are properly administered
Perform site visits when needed
Address complaints, resolve documentation exceptions, and resolve covenant requirement violations
Perform other duties as assigned

Requirements

Bachelor’s Degree in Business, Accounting, Finance, or a related area with at least 6 hours of accounting
At least 1 year of Business Loan experience for loans up to $5MM
At least 1 year of credit analysis experience
Equivalent combination of education and experience accepted
Credit decision-making skills and ability
Financial analytical skills and ability to solve complex problems by interpreting data and results
Excellent writing skills for creating credit memos
Excellent verbal and interpersonal skills to communicate with sales force and credit managers
Ability to work independently
Proficiency in Excel and Word for creating tables and worksheets for credit memos
Previous Business Loan collections experience is a bonus
2 years of Business Loan credit underwriting is a bonus
Knowledge of Capital Stream and FIS/BIS is a bonus
Strategic thinking and ability to envision the future state of the portfolio is a bonus

Core Competencies

Demonstrates expertise in credit analysis, financial statement analysis, and portfolio management, with a strong ability to communicate effectively with clients and stakeholders. Proficient in credit decision-making and risk assessment within the business loan sector.

Highest-signal resume keywords