Portfolio Specialist II
Summary
Provide credit and sales support for commercial banking portfolios, analyzing financials, preparing underwriting packages, and ensuring compliance with loan covenants.
Overview
We’re seeking a Portfolio Specialist II to provide expert credit and sales support to our Commercial Banking Relationship Managers. This role is ideal for someone with strong analytical skills, a collaborative mindset, and a deep understanding of loan portfolio management.
What You’ll Do
Credit & Sales Support
- Partner with Relationship Managers to manage loan portfolios, including annual reviews, covenant compliance, borrowing base monitoring, and collateral exceptions.
- Participate in joint client calls, underwriting, and preparing credit approval packages.
- Coordinate with Credit Analysts to develop financial spreads, LARs, credit memos, and related documentation.
- Serve as a secondary contact for client relationships and identify cross-sell opportunities.
- Assist lenders with prospecting and prepare commitment letters and loan documents.
Financial Analysis
- Analyze complex business and personal financial statements and tax returns.
- Evaluate client relationships holistically to identify risks and opportunities.
- Prepare and present credit analysis packages with limited supervision.
- Recommend strategies to mitigate credit risks.
Requirements For Success
- 3–5 years of experience in commercial lending, including underwriting and financial analysis.
- Strong knowledge of commercial loan structures and credit policy.
- Familiarity with banking regulations and loan documentation.
- Excellent communication and interpersonal skills.
- Ability to work independently and manage multiple priorities.
- Proficiency with financial reporting tools (e.g., Navigator).
- Strong organizational and time management skills.
Conditions of Employment
- Must pass a criminal background and credit check.
- Full-time, on-site position (non-remote).
- FLSA Status: Exempt.