Portfolio Manager

Bank-Shared Service; Saint Peters (MO); On-site; USD 70,000 - 110,000; Full time

Job summary

CNB St. Louis Bank is seeking a Portfolio Manager in St Peters, MO to blend commercial lending and credit analytics. The role requires direct client communication, strong analytical skills, and delivering excellent customer service.

You will work with multiple bank teams to manage relationships and maintain credit quality while supporting loan underwriting, monitoring, and reporting processes.

Qualifications

• Bachelor's Degree in business administration, accounting, or finance.
• Experience in commercial lending or credit analysis.
• Knowledge of personal/business financial statements and tax returns.
• Experience with financial statement analysis software, workflow, and CRM software.

Responsibilities

• Assist lenders in underwriting new loan requests and renewals.
• Prepare preliminary assessments for lenders.
• Prepare financial analyses, summaries, and opinions for lenders on loans.
• Review loan requests and financials to meet lending criteria.
• Prepare credit memos and obtain concurrence from credit approving officers.
• Prepare comprehensive credit write-ups for committees.
• Conduct credit reviews and investigations.
• Monitor customer information files and loan portfolio updates.
• Coordinate with teams for loan maintenance and onboarding.
• Assist in real estate appraisals and evaluations.

Skills

Analytical skills

Communication skills

Customer service

Credit analysis

Lending knowledge

MS Office

Education

Bachelor's degree in business administration, accounting, or finance

Tools

Financial statement analysis software

CRM software

Workflow software

Microsoft Office

Job description

Job DetailsJob Location: St Peters, MO 63376Position Type: Full Time

Summary of Position:

The Portfolio Manager role combines commercial lending and credit analyst responsibilities. This position requires direct communication with clients, strong analytical skills, and the ability to provide excellent customer service. The Portfolio Manager works closely with various teams across the bank to manage client relationships and ensure the credit quality of their portfolio.

Essential Responsibilities:

Financial Analysis, Credit Underwriting, & Risk Assessment

• Assist other lenders in underwriting new loan requests and renewals.
• Prepare preliminary assessments for lenders.
• Prepare financial analyses, summaries, and opinions for lenders on new, renewal, and existing loans.
• Review loan requests, credit history, and financial statements to determine if applications meet lending criteria.
• Prepare proposed credit memos, including recommendations for loan pricing and terms, and obtain concurrence from credit approving officers.
• Prepare comprehensive credit write-ups to present to approving authorities or loan committees.
• Conduct credit reviews and assist in credit investigations, including credit reports and checks.

Portfolio Monitoring & Maintenance

• Monitor customer information files to ensure current reports, statements, and tax returns are regularly updated.
• Monitor loan portfolio and communicate with borrowers to ensure timely receipt of required financial exhibits.
• Maintain credit quality of assigned portfolio within bank standards; elevate risk issues as needed.
• Assist lenders in monitoring borrower credit quality, including trend analysis, covenant compliance, and data updates.
• Monitor lending workflow software systems and update as appropriate.
• Assist lenders with calls on past-due loans as assigned by senior management.

Collaboration & Support

• Collaborate with other credit analysts and lenders to ensure timely and high-quality work completion.
• Coordinate with related personnel for loan maintenance and troubleshooting.
• Assist in assembling materials for committee and board presentations.
• Assist in the process of ordering, reviewing, and completing real estate appraisals and evaluations.
• Work closely with multiple teams across the bank to ensure a positive customer experience from onboarding through relationship management.

Research & Reporting

• Conduct effective research using online sources, interviews, and studies.
• Prepare clearly written, structured, and articulate reports to accurately assess risk.

Compliance:

The employee is responsible and accountable for establishing and following procedures to ensure compliance with all applicable regulatory rules and regulations.

CNB St. Louis Bank will reasonably accommodate qualified individuals with a disability so that they can perform the essential functions of a job.

QualificationsPreferred Education, Experience, Technical Knowledge, and Skills:

• Bachelor's Degree in business administration, accounting, or finance
• Experience in commercial lending or credit analysis
• Knowledge of personal/business financial statements and tax returns.
• Experience with financial statement analysis software, workflow, and customer relationship management software.
• Knowledge of Microsoft Office applications.
• Excellent communication skills (both verbal and written).
• Strong customer service skills.
• Ability to organize and prioritize meeting deadlines.
• Excellent project management skills.
• High level of customer service
• Sales and communication skills
• Ability to analyze information and produce assessments
• Strong interpersonal and client-facing skills

The CNB St. Louis Bank is an Equal Opportunity /All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or protected veteran status.