Senior Portfolio & Credit Risk Leader

Jobtailor; Austin (TX); On-site; USD 120,000 - 160,000; Full time

Job summary

Jobtailor is seeking a senior Commercial/Corporate Banking credit professional to own underwriting, assess credit risk, and manage relationships from opportunity to close in the Austin market. You will lead credit approvals, monitor portfolio quality, and drive cross-sell opportunities while coordinating with Analysts, Associates, and Relationship Managers.

You will ensure covenant compliance, provide accurate reporting, and act as a trusted internal consultant between Credit and the Line of

Qualifications

• Bachelor’s degree in Finance, Accounting, Commercial Banking or equivalent/relevant program.
• 8+ years in Commercial or Corporate Banking with formal Credit training.
• Exceptional writing, interpersonal and communication skills.
• Motivation and initiative, strong teamwork in fast-paced environment.
• MS Office proficiency to produce reports, memos, and presentations.

Responsibilities

• Support the Middle Market line of business within the bank.
• Own the underwriting process for all credit requests.
• Work closely with Analysts, Associates, and Relationship Managers to determine and evaluate potential risks and identify cross-sell opportunities.
• Lead deals from opportunity to close with little to no oversight.
• Maximize portfolio performance and monitor portfolio quality against established criteria.
• Recommend adjustments to existing credit facilities.
• Provide efficient follow-up and spearhead processes for best-in-class customer service.
• Serve as an internal consultant and liaison between Credit and the Line of Business.
• Oversee credit-related responsibilities for Analysts and Associates, including financial statement spreading and validation of underwriting models.
• Conduct risk rating assessments and periodic relationship reviews.
• Partner with Relationship Managers on credit agreement review and negotiation.
• Own credit approvals for new customers, modifications, renewals, increases, and risk assessments.
• Identify key risks, issues, and potential mitigants for credit requests.
• Identify policy exceptions.
• Direct and manage portfolio reviews.
• Validate covenant compliance and covenant management.
• Own post-approval modifications to ensure accurate credit exposure reporting.
• Manage clients, including day-to-day needs, contact meetings, and site visits; direct client contact is expected.
• Manage client information in Salesforce.
• Analyze macroeconomic conditions, industry trends, and changes in lending practices.
• Own portfolio reporting and analytics, including grade migration, past dues, exceptions, and coming-due maturities.
• Identify cross-sell opportunities.
• Partner with the Special Assets Group on credit requests as needed.
• Lead or support initiatives to improve delivery of credit solutions for clients and prospects.

Skills

Underwriting Process Ownership

Credit Risk Assessment

Portfolio Management

Financial Statement Spreading

Covenant Compliance Validation

Portfolio Reporting

Credit Agreement Negotiation

Macroeconomic Analysis

Cross-Sell Identification

Credit Facility Adjustment

Exceptional Writing Skills

Interpersonal Skills

Communication Skills

Motivation and Initiative

Team Collaboration

Education

Bachelor's degree in Finance, Accounting, Commercial Banking or equivalent/relevant program

Tools

Salesforce

Microsoft Office

Excel

PowerPoint

Outlook

Job description

Jobtailor is seeking a senior Commercial/Corporate Banking credit professional to own underwriting, assess credit risk, and manage relationships from opportunity to close in the Austin market. You will lead credit approvals, monitor portfolio quality, and drive cross-sell opportunities while coordinating with Analysts, Associates, and Relationship Managers.

You will ensure covenant compliance, provide accurate reporting, and act as a trusted internal consultant between Credit and the Line of