Senior Credit Underwriter & Portfolio Risk Lead

PATRIOT BANK, N.A.; United States; On-site; USD 110,000 - 170,000; Full time

Job summary

PATRIOT BANK, N.A. in Stamford, CT or Newport Beach, CA seeks a Senior Credit Administrator to originate-support, underwrite, and manage portfolio risk across HNW, CRE, and C&I lending. You will produce credit analyses, structures with covenants, and coordinate with RMs and Loan Ops to close loans.

The role demands hands-on cash-flow analysis, experience with DSCR/LTV, and the ability to develop robust stress tests and monitoring programs for a growing commercial loan book.

Qualifications

• Bachelor’s in Finance, Economics, or related field.
• 5+ years in progressive commercial credit underwriting and portfolio management.
• Strong written and verbal communication skills.

Responsibilities

• Produce credit analyses and memos with 3 sources of repayment.
• Underwrite across HNW, CRE, and C&I lending.
• Mentor junior analysts and collaborate with RMs and operations.
• Ensure compliance with policy and regulatory guidance.

Skills

Credit underwriting

Portfolio management

Financial analysis

Communication

Education

Bachelor’s in Finance, Economics, or related field

Tools

Excel

Office 365

Abrigo LOS

Python

Job description

PATRIOT BANK, N.A. in Stamford, CT or Newport Beach, CA seeks a Senior Credit Administrator to originate-support, underwrite, and manage portfolio risk across HNW, CRE, and C&I lending. You will produce credit analyses, structures with covenants, and coordinate with RMs and Loan Ops to close loans.

The role demands hands-on cash-flow analysis, experience with DSCR/LTV, and the ability to develop robust stress tests and monitoring programs for a growing commercial loan book.