Senior Portfolio Manager

Burke & Herbert Bank & Trust; West Chester (Chester County); On-site; USD 95,000 - 125,000; Full time

Job summary

Burke & Herbert Bank & Trust is seeking a seasoned lending professional in West Chester, PA to support commercial executives in loan origination and credit portfolio management. You will analyze financial statements, perform due diligence, and assist in underwriting while coordinating with clients and internal teams.

The role requires strong knowledge of lending processes, risk assessment, and regulatory compliance, with extensive experience in Excel and financial analysis.

Qualifications

• Seven years of experience in a commercial lending environment with proven experience in credit evaluation and portfolio risk assessment.
• Bachelor’s degree in relevant field or equivalent related work experience.

Responsibilities

• Support origination of new loans and management of credit portfolio.
• Structure transactions and review financial statements.
• Conduct due diligence, assess credit risk and prepare deal presentations.
• Monitor loan covenants and coordinate with team for required information.
• Assist in underwriting tasks including cash flow and trend analysis.
• Read and analyze personal and business financial statements as needed.

Skills

Commercial lending

Credit evaluation

Financial analysis

Portfolio risk management

Underwriting

Regulatory knowledge

Communication skills

Microsoft Office / Excel

Education

Bachelor's degree in relevant field

Tools

Silverlake

Baker Hill

Synergy

Microsoft Office

Job description

If you are unable to complete this application due to a disability, contact this employer to ask for an accommodation or an alternative application process.

PENN ADMIN West Chester, PA, US

3 days ago Requisition ID: 2471

JOB DESCRIPTION

Summary/Objective

Will support Commercial Banking Executives in the origination of new loans and management of credit portfolio. This role will work closely with the origination team and credit risk management in structuring transactions, reviewing and analyzing financial statements, conducting due diligence, assessing credit risk, preparing deal screen presentations, and monitoring and managing the credit portfolio.

Essential Functions

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Working knowledge of Relationship Manager’s loan portfolios.
• Management of past due and matured loans.
• Regular contact with customers for ongoing maintenance of relationship.
• Monitor, review and update the Bank’s Tickler System for receipt of financial documents and measurement of loan covenants.
• Coordinate with Commercial Banking Administrators and other team members to send and follow up on communications with customers requesting financial information and other required information.
• Utilize various system applications such as, Silverlake, Baker Hill and/or Synergy, to ensure all financial and loan documents are placed in the system of record.
• Answer and document customer inquiries.
• Monitor and assist in clearing post-closing exceptions.
• Assist Commercial Banking Executives in preparing requests for underwriting.
• Understand and perform various underwriting tasks such as cash flow analysis, trend analysis and sensitivity analysis. Must be able to read and analyze personal as well as business financial statements which may, on occasion require the spreading of those statements.
• Provide assistance as needed on pre and post-closing items and related documentation.

Other Duties

• Complies with all policies and procedures as applied to the Bank's BSA/AML policy.
• Perform other duties as assigned.

Skills/Abilities

• Thorough knowledge of commercial lending process including credit evaluation and underwriting.
• Ability to accurately interpret lending policy and apply same to the management of the portfolio.
• Detailed knowledge and understanding of credit and financial analysis tools and techniques.
• Maintain current knowledge of, and abide, by all applicable government regulations.
• Ability to accurately interpret loan agreements and other loan documentation.
• Ability to identify and quantify business risks and the key drivers of risk and focus decisions accordingly.
• Thorough knowledge of banking regulations and laws governing commercial lending.
• Strong written and oral communication skills.
• Strong organizational skills with ability to set priorities in a multi-task environment and meet deadlines.
• Proficient in Microsoft Office and Excel.

Supervisory Responsibility

This position does not have supervisory responsibilities.

This job operates in an office setting, the opportunity to telework is not available. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines. Office environment with job duties conducted via telephone, face to face meetings, and on the computer.

Physical Demands

This position requires manual dexterity, the ability to lift files and open cabinets. This position requires bending, stooping or standing as necessary.

Travel

Limited local travel may be required for this position.

Education and Experience

• Seven years of experience in a commercial lending environment with proven experience in credit evaluation, portfolio risk assessment and/or special assets required.
• Bachelor’s degree in relevant field or equivalent additional related work experience.

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.