Senior Credit Portfolio Manager - Analysis&Risk Oversight

Optus Bank, Inc.; Columbia (SC); On-site; USD 85,000 - 110,000; Full time

Job summary

Optus Bank, Inc. in Columbia, SC is seeking a skilled Credit Administration professional to assess financial capacity and credit worthiness of borrowers. You will prepare credit analyses, support loan committees, and ensure compliance with policies and regulations.

The role requires strong analytical and communication skills, 5+ years in credit analysis (commercial and consumer), and experience with financial data and reporting. You will mentor juniors and collaborate across teams.

Qualifications

• 5+ years of credit analysis experience in commercial and consumer lending.
• At least 3 years in portfolio management or credit underwriting.
• Proficient with Microsoft Office Suite (Excel, Word, PowerPoint).
• Experience with financial analysis software is a plus.

Responsibilities

• Analyzes borrower financials to determine creditworthiness for new and renewal credit.
• Prepares and interprets financial statement spreads, and provides loan structure recommendations.
• Conducts background checks on borrowers and compiles credit packages for approval.
• Writes credit memoranda with risk analysis for Senior Credit Management and Loan Committee.

Skills

Credit analysis

Commercial lending

Consumer lending

Portfolio management

Credit underwriting

Education

Banking/Finance degree

Tools

Sageworks Analyst

Job description

Optus Bank, Inc. in Columbia, SC is seeking a skilled Credit Administration professional to assess financial capacity and credit worthiness of borrowers. You will prepare credit analyses, support loan committees, and ensure compliance with policies and regulations.

The role requires strong analytical and communication skills, 5+ years in credit analysis (commercial and consumer), and experience with financial data and reporting. You will mentor juniors and collaborate across teams.