Portfolio Manager / Credit Analyst

www.hiresps.com; San Antonio (TX); On-site; USD 70,000 - 85,000; Full time

Benefits offered by this job

Relocation assistance

Comprehensive benefits package

Job summary

South Texas Community Bank is seeking a skilled Credit Analyst / Portfolio Manager in South Texas. You will analyze financial data, prepare loan memos, and oversee a mixed loan portfolio while supporting lending decisions and maintaining regulatory compliance.

The role emphasizes detailed credit analysis, client service, and collaboration with lenders to drive timely decisions and strong loan performance within a community-focused bank.

Qualifications

• Bachelor’s degree or equivalent banking experience.
• Experience in credit analysis, portfolio management, or commercial lending.
• Strong financial modeling and ability to review complex statements.
• Excellent written and verbal communication for loan recommendations.
• Familiarity with banking regulations and risk management.
• High attention to detail and integrity in credit risk evaluation.

Responsibilities

• Analyze financial statements, tax returns, credit reports, and cash-flow projections to determine borrower creditworthiness.
• Prepare clear, data-driven loan memoranda and risk assessments for loan committee presentation.
• Manage and monitor a mixed portfolio of commercial and consumer loans, identifying potential issues early and recommending remediation.
• Collaborate with lenders on new credit requests, renewals, covenant monitoring, and workout strategies.
• Ensure loan documentation and underwriting comply with internal policies and regulatory requirements.
• Build strong relationships with customers and internal partners to support timely decision-making and excellent client service.

Skills

Credit analysis

Portfolio management

Financial modeling

Communication

Regulatory knowledge

Attention to detail

Education

Bachelor’s degree in Finance/Accounting/Business

Job description

About the Role

We are seeking a skilled and proactive Credit Analyst / Portfolio Manager to join a community‑focused bank located in South Texas. This role combines rigorous credit analysis with ongoing portfolio oversight – ideal for a finance professional who enjoys both analytical work and relationship management. You will support lending decisions, monitor loan performance, and help maintain a high‑quality loan portfolio that supports local businesses and consumers.

Key Responsibilities

• Analyze financial statements, tax returns, credit reports, and cash‑flow projections to determine borrower creditworthiness.
• Prepare clear, data‑driven loan memoranda and risk assessments for loan committee presentation.
• Manage and monitor a mixed portfolio of commercial and consumer loans, identifying potential issues early and recommending remediation.
• Collaborate with lenders on new credit requests, renewals, covenant monitoring, and workout strategies when needed.
• Ensure loan documentation and underwriting comply with internal policies and regulatory requirements.
• Build strong relationships with customers and internal partners to support timely decision‑making and excellent client service.

Qualifications

• Bachelor’s degree in Finance, Accounting, Business, or related field – or equivalent banking experience.
• Proven experience in credit analysis, portfolio management, or commercial lending at a community or regional bank.
• Strong financial modeling and analytical skills; comfortable reviewing complex financial statements.
• Excellent written and verbal communication – able to prepare concise loan recommendations and present to stakeholders.
• Familiarity with banking regulations, underwriting standards, and risk management best practices.
• High attention to detail, sound judgment, and integrity when evaluating credit risk.

Why You’ll Love It Here

• Competitive pay within the range of $70,000–$85,000, commensurate with experience.
• Relocation assistance to help you transition smoothly to South Texas.
• Comprehensive benefits including medical, dental, vision, and retirement planning.
• Friendly, community‑minded culture where your work directly supports local businesses and families.
• Opportunities for professional development and internal advancement in a growing bank.

Quick Facts

• Title: Credit Analyst / Portfolio Manager
• Location: South Texas (easy access to San Antonio)
• Salary: $70K–$85K
• Relocation: Moving expenses provided
• Benefits: Full benefits package