Portfolio Manager

CNB St. Louis Bank; Saint Peters (MO); On-site; USD 85,000 - 130,000; Full time

Job summary

CNB St. Louis Bank in Saint Peters, MO is seeking a Portfolio Manager who blends commercial lending with credit analysis to manage client relationships and credit quality.

You will work with lenders across the bank, underwrite new loans and renewals, prepare memos, and monitor the portfolio while maintaining exceptional service.

A Bachelor's degree and experience in lending, strong communication, and proficiency with financial software are required.

Qualifications

• Bachelor’s degree in business, accounting, or finance.
• Experience in commercial lending or credit analysis.
• Strong knowledge of financial statements and tax returns.
• Proficiency with MS Office and CRM/workflow software.
• Excellent communication and customer service skills.
• Strong project management and organizational abilities.

Responsibilities

• Underwrite loan requests and renewals with credit analysis.
• Prepare credit memos and loan pricing recommendations.
• Monitor borrower credit quality and covenant compliance.
• Collaborate with lenders and credit teams to ensure timely loan processing.
• Assist in committee and board presentations.
• Maintain up-to-date borrower files and financial exhibits.

Skills

Financial analysis

Credit underwriting

Customer service

Communication

Project management

Microsoft Office

CRM software

Team collaboration

Time management

Education

Bachelor's degree

Tools

Financial analysis software

Workflow software

CRM software

Job description

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 AssessmentAssist 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 & MaintenanceMonitor 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; escalate 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 & SupportCollaborate 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 & ReportingConduct 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.The CNB St. Louis Bank is an Equal Opportunity / Affirmative Action employer. 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.Preferred Education, Experience, Technical Knowledge, and Skills:Bachelor's Degree in business administration, accounting, or financeExperience in commercial lending or credit analysisKnowledge 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 serviceSales and communication skillsAbility to analyze information and produce assessmentsStrong interpersonal and client-facing skills