Portfolio Manager II — Credit & Client Strategy

Encore Bank; Charlotte (NC); On-site; USD 90,000 - 130,000; Full time

Benefits offered by this job

Medical

Dental

Vision

Employer Paid Life Insurance

401K

Job summary

Encore Bank in Charlotte, NC seeks a Portfolio Manager II to translate cash flows and credit details into clear, defendable decisions. You’ll partner with Relationship Managers from first client conversation and prepare credit memos and risk ratings.

Responsibilities include analyzing financial statements, spreads, and collateral, coordinating with Credit Underwriting, and guiding loans through approval while maintaining asset quality.

Qualifications

• Bachelor’s degree in Finance or Accounting or related field.
• At least 5 years in portfolio management or credit analysis in commercial banking.
• Strong proficiency with Excel and financial modeling.

Responsibilities

• Collaborates with Relationship Manager on client conversations and gathers high-level details.
• Spreads financials in Moody’s and bank cash flow templates; prepares full credit memos/packages.
• Reviews loan packages and coordinates with Credit Underwriting to resolve all questions.
• Guides development and analysis of financial data for new, renewing, or modifying credits.
• Writes credit memos for collateral releases, loan modifications, and updates.

Skills

Credit analysis

Financial statement analysis

Portfolio management

Communication skills

Excel

Education

Bachelor’s degree in Finance or Accounting

Tools

Moody’s cash flow templates

Hawthorn River

SIBanking

Job description

Encore Bank in Charlotte, NC seeks a Portfolio Manager II to translate cash flows and credit details into clear, defendable decisions. You’ll partner with Relationship Managers from first client conversation and prepare credit memos and risk ratings.

Responsibilities include analyzing financial statements, spreads, and collateral, coordinating with Credit Underwriting, and guiding loans through approval while maintaining asset quality.