Portfolio Manager (Full Time) - Houston, River Oaks
Prosperity Bank and Trust Co
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Job summary
Prosperity Bank is seeking a Credit Analyst to perform underwriting, monitoring, and portfolio management for Commercial Banking relationships. The role focuses on ensuring strong credit quality and efficient internal processes to retain and expand client relationships.
You will analyze financial data for loan requests, support loan packages, coordinate closings, and assist in risk management and covenant compliance. A bachelor’s degree and banking experience are required.
Qualifications
- Bachelor’s degree (business concentration preferred).
- Proficient with Microsoft Word, Excel, PowerPoint and financial spreading software.
- Has 2-3 years of banking experience, primarily related to credit analysis/underwriting.
- Demonstrates strong written and analytical skills.
- Understanding of credit policy and ability to evaluate cash-flow and collateral-based credits.
- Ability to make judgments with limited guidance and handle complex problems.
- Excellent planning, organizational, multitasking and communication skills.
Responsibilities
- Assist with due diligence/analysis of new client relationships and memos.
- Manage renewal processes with Relationship Manager, client, and credit department.
- Assist in preparing loan packages, making presentations, and loan approvals.
- Oversee modifications/amendments/waivers to existing credit agreements.
- Coordinate loan closings with outside counsel and internal teams.
- Assist and join Relationship Manager in business development calling efforts.
- Monitor loan portfolio for covenant compliance and financial reporting.
- Maintain small loan/deposit portfolios and support risk management.
Skills
Education
Job description
If you are unable to complete this application due to a disability, contact this employer to ask for an accommodation or an alternative application process.
RIVER OAKS, Houston, TX, US
16 days ago Requisition ID: 11136
External Applicants: Please apply through Prosperity Bank's Career Center at https://www.prosperitybankusa.com/Careers .Applying through any other source may prevent Prosperity from receiving your application. Internal Applicants: If you are a current associate of Prosperity Bank, please apply through the internal Talent - Career Center in ADP. Prosperity Bank is an Equal Opportunity Employer.
Responsible for credit underwriting, monitoring, and portfolio management of Commercial Banking relationships to ensure strong credit quality and achieve efficient internal processes to retain and expand client relationships.
Primary performance responsibilities include analyzing financial data to determine the merits of loan requests, monitoring the performance of existing client relationships, and assist in the management and organization of the loan portfolio.
- Assist with due diligence/analysis of new client relationships and opportunity memos as appropriate.
- Manage the renewal process by working with the Relationship Manager, the client, & the credit department.
- Assist in the preparation of loan packages, make presentations, and participate in the bank’s loan approval process.
- Manage the process for approving and closing modifications/amendments/waivers to existing credit agreements.
- Assist Relationship Manager in coordinating the loan closing process for new and existing loan relationships (i.e. working with both outside counsel and internal document preparation groups, reviewing loan documents, closing loans with clients).
- Assist and joins Relationship Manager in business development calling efforts.
- Perform other administrative duties required for the maintenance the loan portfolio (i.e. exception tracking, financial reporting and covenant compliance).
- Manage and oversee small loan/deposit portfolios.
- Ensure the portfolio administration and risk management of each client relationship follows the established credit policy, procedure, and business strategy as well as regulatory guidelines.
- Perform annual loan reviews as needed.
- Partner with the Relationship Manager as a point of a contact for existing and prospective clients; acting as a liaison to the Credit Department, the Commercial support staff and other internal business partners.
- Monitor loan repayment activities and financial condition of borrowing clients and take necessary action to collect past due accounts.
- Agreeable to work overtime as needed based on work assigned in order to meet deadlines provided.
- Participates in community and business functions/groups to ensure a positive image for the bank within the region’s marketplace.
- Perform other duties and special projects as needed.
The above statements describe the general nature and level of work only. They are not an exhaustive list of all required responsibilities, duties, and skills. Other duties may be added, or this job description amended at any time.
Education/Certification: Bachelor’s degree (business concentration preferred)
Required Knowledge: Proficient with Microsoft Word, Excel, Power Point as well as some form offinancial spreading software
Experience Required: Has 2-3 years of banking experience, primarily related to creditanalysis/underwriting
Skills/Abilities: Demonstrates strong written and analytical skills
Has strong understanding of credit policy and procedures and is able toaccurately evaluate both cash-flow and collateral-based credits
Ability to make appropriate judgments and decisions with limited guidance
Ability to deal with complex problems involving multiple facets and variables in non-standardized situations.
Excellent planning and organizational skills, including the ability to work independently on projects of high complexity with minimal supervision
Strong public speaking and presentation skills
Excellent written and verbal communications skills
Ability to maintain confidentiality and instill trust within the organization
Proficient in Microsoft Word, Excel, and PowerPoint ability to multitask is essential
Talking: Especially where one must frequently convey detailed or important instructions orideas accurately, loudly, or quickly.
Average Hearing: A ble to hear average or normal conversations and receive ordinary information.
Repetitive Motion: Movements frequently and regularly required using the wrists, hands, and/orfingers.
Average Visual Abilities: Average, ordinary, visual acuity necessary to prepare or inspect documents orproducts, or operate machinery.
Physical Strength: Sedentary work; sitting most of the time. Exerts up to 10 lbs. of force occasionally. (Almost all office jobs.)
None: No hazardous or significantly unpleasant conditions (such as in a typical office).
Reasoning Ability: Ability to apply logical or scientific thinking to define problems, collect data establish facts and draw conclusions.
Able to interpret a variety of technical instructions and can deal with multiplevariables.
Mathematics Ability: Ability to compute discount, interest, profit, and loss; commission markup and selling price; and ratio, proportion, and percentage.
Able to perform very simple algebra.
Language Ability: Ability to read periodicals, journals, manuals, dictionaries, thesauruses, and encyclopedias.
External Applicants: Please apply through Prosperity Bank's Career Center at https://www.prosperitybankusa.com/Careers .Applying through any other source may prevent Prosperity from receiving your application. Internal Applicants: If you are a current associate of Prosperity Bank, please apply through the internal Talent - Career Center in ADP. Prosperity Bank is an Equal Opportunity Employer.
Responsible for credit underwriting, monitoring, and portfolio management of Commercial Banking relationships to ensure strong credit quality and achieve efficient internal processes to retain and expand client relationships.
Primary performance responsibilities include analyzing financial data to determine the merits of loan requests, monitoring the performance of existing client relationships, and assist in the management and organization of the loan portfolio.
- Assist with due diligence/analysis of new client relationships and opportunity memos as appropriate.
- Manage the renewal process by working with the Relationship Manager, the client, & the credit department.
- Assist in the preparation of loan packages, make presentations, and participate in the bank’s loan approval process.
- Manage the process for approving and closing modifications/amendments/waivers to existing credit agreements.
- Assist Relationship Manager in coordinating the loan closing process for new and existing loan relationships (i.e. working with both outside counsel and internal document preparation groups, reviewing loan documents, closing loans with clients).
- Assist and joins Relationship Manager in business development calling efforts.
- Perform other administrative duties required for the maintenance the loan portfolio (i.e. exception tracking, financial reporting and covenant compliance).
- Manage and oversee small loan/deposit portfolios.
- Ensure the portfolio administration and risk management of each client relationship follows the established credit policy, procedure, and business strategy as well as regulatory guidelines.
- Perform annual loan reviews as needed.
- Partner with the Relationship Manager as a point of a contact for existing and prospective clients; acting as a liaison to the Credit Department, the Commercial support staff and other internal business partners.
- Monitor loan repayment activities and financial condition of borrowing clients and take necessary action to collect past due accounts.
- Agreeable to work overtime as needed based on work assigned in order to meet deadlines provided.
- Participates in community and business functions/groups to ensure a positive image for the bank within the region’s marketplace.
- Perform other duties and special projects as needed.
The above statements describe the general nature and level of work only. They are not an exhaustive list of all required responsibilities, duties, and skills. Other duties may be added, or this job description amended at any time.
Education/Certification: Bachelor’s degree (business concentration preferred)
Required Knowledge: Proficient with Microsoft Word, Excel, Power Point as well as some form offinancial spreading software
Experience Required: Has 2-3 years of banking experience, primarily related to creditanalysis/underwriting
Skills/Abilities: Demonstrates strong written and analytical skills
Has strong understanding of credit policy and procedures and is able toaccurately evaluate both cash-flow and collateral-based credits
Ability to make appropriate judgments and decisions with limited guidance
Ability to deal with complex problems involving multiple facets and variables in non-standardized situations.
Excellent planning and organizational skills, including the ability to work independently on projects of high complexity with minimal supervision
Strong public speaking and presentation skills
Excellent written and verbal communications skills
Ability to maintain confidentiality and instill trust within the organization
Proficient in Microsoft Word, Excel, and PowerPoint ability to multitask is essential
Talking: Especially where one must frequently convey detailed or important instructions orideas accurately, loudly, or quickly.
Average Hearing: A ble to hear average or normal conversations and receive ordinary information.
Repetitive Motion: Movements frequently and regularly required using the wrists, hands, and/orfingers.
Average Visual Abilities: Average, ordinary, visual acuity necessary to prepare or inspect documents orproducts, or operate machinery.
Physical Strength: Sedentary work; sitting most of the time. Exerts up to 10 lbs. of force occasionally. (Almost all office jobs.)
None: No hazardous or significantly unpleasant conditions (such as in a typical office).
Reasoning Ability: Ability to apply logical or scientific thinking to define problems, collect data establish facts and draw conclusions.
Able to interpret a variety of technical instructions and can deal with multiplevariables.
Mathematics Ability: Ability to compute discount, interest, profit, and loss; commission markup and selling price; and ratio, proportion, and percentage.
Able to perform very simple algebra.
Language Ability: Ability to read periodicals, journals, manuals, dictionaries, thesauruses, and encyclopedias.
Hours: Monday - Friday 8:00 AM - 5:00 PM
40 hours per week.
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