Portfolio Manager – Business Banking

Jobtailor; Colorado; On-site; USD 65,000 - 90,000; Full time

Job summary

Jobtailor is seeking a detail-oriented Credit Underwriter to manage underwriting for business and SBA loans, analyze financial statements, and provide risk-guided recommendations across multi-state portfolios.

Responsibilities include presenting credit structures, ensuring covenant compliance, and supporting loan servicing while maintaining clear client communication and documentation quality.

Qualifications

• Bachelor's degree in Business, Accounting, Finance or related area with at least 6 hours of accounting.
• 1+ year in Business Loan experience (up to $5MM)
• 1+ year credit analysis experience
• Demonstrates credit decision making skills and ability
• Excellent writing skills to create credit memos
• Excellent verbal and interpersonal skills to communicate with sales force and credit managers
• Ability to work independently
• Proficiency of Excel and Word to create tables and worksheets for credit memos
• 2 years Business Loan credit underwriting
• SBA program knowledge
• Knowledge of Capital Stream, FIS/BIS
• Knowledge of SOP for SBA guaranteed loans
• Aptitude to think strategically and envision future state of the portfolio

Responsibilities

• Perform credit underwriting related to renewals, modifications, changes in terms, credit reviews and reaffirmations.
• Spread company financial statements and tax returns.
• Analyze financial statements, personal financial statements, and performance metrics to explain variances and address credit strategy.
• Present solutions to credit structure, covenants and financial reporting requirements to the Portfolio Manager.
• Provide specialized risk guidance on existing watch list credits across multiple states.
• Secure financial information and test covenant requirements.
• Provide timely client follow up.
• Ensure loan servicing actions including past due payments, demand letters, lawsuits and liquidations are properly administered.
• Perform site visits if needed.
• Address complaints successfully.
• Resolve documentation exceptions and covenant requirement violations.

Skills

Credit Underwriting

Financial Analysis

Credit Decision Making

Business Loan Experience

SBA Program Knowledge

Excel Proficiency

Word Proficiency

Credit Memo Creation

Loan Servicing

Covenant Testing

Documentation Resolution

Data Interpretation

Problem Solving

Education

Bachelor's Degree in Business/Accounting/Finance

6+ hours Accounting coursework

Tools

Capital Stream

FIS/BIS

Job description

• Perform credit underwriting related to requests for renewals, modifications, changes in terms, credit reviews and reaffirmations for Business Banking and Small Business Banking credit portfolios
• Spread company financial statements and tax returns
• Analyze financial statements, personal financial statements, and performance metrics to explain variances, identify trends, and address appropriate credit strategy for credit risk
• Present solutions to credit structure, covenants, financial reporting requirements and other credit conditions to the Portfolio Manager
• Provide specialized risk guidance and advice on existing watch list credits across a multi-state geographical footprint
• Secure financial information and test covenant requirements
• Provide timely client follow up
• Ensure loan servicing actions, including past due payment collections, demand letters, lawsuits, and liquidations, are properly administered
• Perform site visits if needed
• Address complaints successfully
• Resolve documentation exceptions and covenant requirement violations

Requirements

• Bachelors Degree in Business, Accounting, Finance or related area with at least 6 hours of accounting
• 1+ year in Business Loan experience (up to $5MM)
• 1+ year credit analysis experience
• Demonstrates credit decision making skills and ability
• Demonstrates financial analytical skills with ability to solve complex problems by interpreting data and results
• Demonstrates excellent writing skills to create credit memos
• Demonstrates excellent verbal and interpersonal skills to communicate with sales force and credit managers
• Demonstrates ability to work independently
• Demonstrates proficiency of Excel, and Word to create tables and worksheets for credit memos
• Previous Business Loan collections experience
• 2 years Business Loan credit underwriting
• SBA program knowledge
• Knowledge of Capital Stream, FIS/BIS
• Knowledge of SOP for SBA guaranteed loans
• An aptitude to think strategically and envision future state of the portfolio

Core Competencies

Demonstrates expertise in credit underwriting, financial analysis, and risk management within Business Banking and Small Business Banking. Proficient in creating credit memos and communicating effectively with stakeholders while ensuring compliance with financial covenants and requirements.

Highest-signal resume keywords

• Credit Underwriting
• Financial Analysis
• Credit Decision Making
• Business Loan Experience
• SBA Program Knowledge

Hard Skills

• Credit Analysis
• Financial Statement Analysis
• Data Interpretation
• Problem Solving
• Excel Proficiency
• Word Proficiency
• Credit Memo Creation
• Loan Servicing
• Covenant Testing
• Documentation Resolution

Soft Skills

• Excellent Writing Skills
• Excellent Verbal Skills
• Interpersonal Skills
• Independent Work Ability
• Client Follow-Up

Industry Keywords

• Business Banking
• Small Business Banking
• Credit Risk
• SBA Guaranteed Loans
• Financial Reporting Requirements

Tools & Technologies

• Capital Stream
• FIS/BIS