Senior Credit Portfolio Analyst

Peoples Bank; Louisville (KY); On-site; USD 65,000 - 90,000; Full time

Benefits offered by this job

401(k) employer match

Employee stock purchase plan

Tuition assistance

Job summary

Peoples Bank is hiring a Credit Portfolio Analyst to monitor loan relationships and perform covenant testing, financial analysis and risk assessment. You will support complex portfolios and help safeguard the bank's interests.

The role requires a Bachelor's degree and 2+ years in commercial credit analysis or underwriting, with strong analytical and communication skills and attention to detail. Travel may be required; located across Peoples Bank footprint.

Qualifications

• Bachelor's degree or equivalent work experience; accounting/finance focus.
• 2+ years of commercial credit analysis or underwriting experience.
• Ability to evaluate financial statements and draw conclusions.
• Strong verbal and written communication skills.
• Attention to detail and organizational skills.
• Ability to apply bank credit policies and regulatory requirements.

Responsibilities

• Perform covenant testing and risk rating validation for complex credits.
• Analyze financial statements, trends and ratios to assess credit quality.
• Prepare and manage communications with borrowers, including letters.
• Review collateral and ensure compliance with loan documents and upload to systems.
• Monitor borrowing base requirements and update internal trackers.
• Assist with exams, audits and loan reviews as needed.
• Provide guidance to Credit Portfolio Analysts and support special projects.

Skills

Credit analysis

Underwriting

Financial statement analysis

Regulatory knowledge

Excel

Education

Bachelor's degree in finance/accounting

Tools

Credit software

Job description

Build Your Future Here:

Thinking of changing jobs or starting your career at a growing company with an award-winning culture? Well, you are in the right place. Join us on our journey to being the Best Community Bank in America. Our motto is Working Together. Building Success. and by joining Peoples Bank, we will work together to help you achieve your career goals, just like we help thousands of clients reach their financial goals.

Peoples Bank is one of the largest 150 banks in the United States with 130 full-service bank branches in Ohio, West Virginia, Kentucky, Virginia, Washington D.C. and Maryland. We also have Specialty Finance offices in Minnesota, Missouri and Vermont. Peoples Bank prides itself as a community bank and dedicates its resources to improving our communities. The Peoples Bank Foundation has donated over $8 million to local organizations since its inception in 2003.

We are proud to share national accolades that celebrate our company culture and recognize us as a great place to bank and work:

• American Banker Best Banks to Work For in 2021, 2022, 2023, 2024 and 2025
• Top Workplaces USA national award in 2022, 2023, 2024, 2025 and 2026
• Newsweek's America's Greatest Workplaces 2024, 2025 and 2026
• Forbes America's Best Banks 2024 and 2025
• Forbes Best-in-State Banks 2020, 2021. 2025 and 2026
• TIME's America's Growth Leaders 2026 award winner

At Peoples Bank, we know that there is more to life than work. But we also understand that the quality of the work environment and employee benefits can greatly impact an associate's life. That's why we seek to create a great benefits package for our associates including: 401(k) retirement plan with an employer match, employee stock purchase plan, various education assistance programs such as student loan and tuition paydown/reimbursement, paid vacation, holidays, and much more. For full details of our benefits offerings, please visit: peoplesbancorp.com/about-us/find-a-career/

Our associates are each accountable for living the culture and values of the organization. This includes ensuring actions and behaviors create a positive and collaborative work environment, always acting with integrity and professionalism and providing extraordinary customer service. Our goal is for you to be successful; to that end being reliable in terms of ensuring you are at work on time and work your schedule as well as actively pursuing your performance objectives, will be fundamental in your contributing to the teams' success as well as the organization.

Job Purpose:

This position is responsible for conducting key loan monitoring activities, including covenant testing, financial statement analysis, and risk assessment across credit relationships-particularly more complex portfolios-to proactively identify any signs of credit deterioration or declines in borrower performance and protect the bank's interests and strengthen outcomes. Responsible for preparing annual shelf reviews. Provides guidance and coaching to Credit Portfolio Analysts and serves as a subject matter expert on special projects.

Job Duties:

• Performs timely, accurate covenant testing, escalates breaches to ensure appropriate response/actions and performs red flag review and risk rating validation generally for more complex credit relationships.
• Spreads and analyzes financial statements to identify trends, ratios and overall financial performance.
• Prepares, mails and tracks responses for various communications with borrowers; including but not limited to Waiver Letters and Reservation of Rights Letters.
• Reviews collected financial statements for compliance with executed loan documents and approves with Document Manager for upload to ImageCentre.
• Tracks, tests and managers borrowing base requirements, including necessary updates to IBS, and escalates as applicable.
• Will be responsible for the preparation of annual shelf reviews.
• Assists with examiner, audit and loan review requests.
• Provides guidance and coaching to Credit Portfolio Analysts.
• Complies with established processes, quality standards and responsiveness expectations.
• Adheres to bank's policies and procedures and complies with regulatory requirements.
• Will perform special projects as assigned.

Education, Job Skills and Qualifications:

• Bachelor's degree or equivalent work experience required.
• 2+ years demonstrated experience in commercial credit analysis or underwriting.
• Analytically minded - ability to evaluate financial statements, tax returns, interpret results and reach conclusions.
• Strong verbal and written communication skills.
• Strong problem solving and conflict resolution skills.
• Strong interpersonal skills.
• Highly organized and attentive to detail.
• Proven ability to exercise discretion and sound judgment.
• Ability to understand and apply bank's credit policy.
• Ability to understand and apply applicable banking laws, regulatory requirements and credit/risk management practices.
• Proficient with the Microsoft suite of products, especially excel.
• Some travel may be required; must have a valid driver's license for travel throughout Peoples Bank footprint of offices.
• Team player.

Basic Qualifications:

• Bachelor's degree or equivalent work experience with a specialization in accounting, finance or business operations required.
• 2+ years demonstrated experience in commercial credit analysis or underwriting.
• Some travel may be required; must have a valid driver's license for travel throughout Peoples Bank footprint of offices.

Equal Opportunity Employer M/F/Disabled/Vet;
If you are unable to complete this application due to a disability, contact [e-mail] to ask for an accommodation, alternative application process, or other inquiries.