What are the responsibilities and job description for the Credit Analyst/Portfolio Manager position at Prevail Bank?
Benefits:
- 401(k) matching
- Opportunity for advancement
- Training & development
Position Summary:
We are seeking a motivated and detail-oriented individual to join our team as a Credit Analyst/Portfolio Manager. This role is designed as a developmental pathway into a future Lending position. The successful candidate will begin by supporting the credit and portfolio management functions, gaining deep insight into underwriting, risk assessment, and relationship management. Over time, and with demonstrated performance, the role will transition into direct lending responsibilities.
Duties and Responsibilities
Credit Analyst Duties (Initial Phase):
Duties and Responsibilities
Credit Analyst Duties (Initial Phase):
- Analyze financial statements, tax returns, and other relevant documents to assess creditworthiness.
- Prepare detailed credit presentations for loan requests.
- Assist in structuring loan terms and conditions in alignment with policy and risk appetite.
- Collaborate with lenders and loan operations to ensure timely and accurate loan processing.
- Participate in loan committee presentations and discussions.
- Completes reviews on all credit relationships as assigned, including a complete analysis of financial statements, collateral evaluation, payment history, risk rating review and any adverse industry or economic changes.
Portfolio Manager Duties (Transitional Phase):
- Manage assigned loan portfolios, ensuring proactive communication with borrowers.
- Identify opportunities for portfolio growth and cross-selling of bank products.
- Support loan renewals, modifications, and annual reviews.
- Assist in managing delinquencies and workout strategies when necessary.
- Build relationships with clients and internal stakeholders to support long-term success.
- Contribute to strategic growth initiatives and community engagement.
- Focus on building a network of centers of influence and trusted referral sources.
- Shadow experienced lenders and participate in client meetings.
Lending Development (Future Phase):
- Begin originating new loan opportunities.
- Develop a personal portfolio of clients and prospects.
Miscellaneous:
- Participate in special projects or assignments as necessary.
- Perform other duties as required to fulfill the responsibilities of the position.
- Follow procedures and policies that ensure compliance with not only Bank policies and procedures, but also all applicable federal and state banking regulatory agency policies.
- Comply with bank standards for attendance and hours of work.
Qualifications
Education/Experience:
- Bachelor’s degree from four-year college or university and/or relevant industry experience.
- Experience in credit analysis, banking, or financial services is strongly preferred.
- Strong analytical, communication, and organizational skills.
- Proficiency in financial modeling.
- Desire to grow into a client-facing lending role.
Skills and Abilities:
Adaptability:
- Able to adjust quickly to different work situations; remain composed under pressure and in stressful situations.
Attention to Detail:
- Regard for important details to assure accuracy in every transaction performed; detect errors; follow through on corrections and details.
Change Management:
- Must embrace change and see change as opportunity. Must be willing to express and support management's ideas to affected staff.
Customer Orientation:
- Respond sensitively to the needs and priorities of the customer; recognize and take appropriate action to meet their needs; establish an effective working relationship with customers to gain their respect and loyalty.
Oral/Written Communication:
- The ability to express thoughts and ideas in a clear and concise manner, both orally and in written form to a variety of audiences and to all levels of staff.
Professionalism:
- Project a positive image of the bank to all internal and external customers.
Time Management:
- Ability to effectively manage one’s time to complete work according to established deadlines. The ability to prioritize tasks to make the best use of time for high priority tasks.
Team Player:
- Must view oneself as part of an overall team. This includes supporting others throughout the entire bank to achieve the overall goals of the bank.
Working Environment
The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Travel:
Valid driver’s license required for travel to Bank offices, training sessions, customer meetings, Bank and community meetings, etc.
Physical Requirements
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
This job description in no way states or implies that these are the only duties to be performed by the employee occupying this position. Employees may be required to follow other job-related instructions and to perform other job-related duties as requested, subject to all applicable state and federal laws. Certain job functions described herein may be subjected to possible modification in accordance with applicable state and federal laws. There are different experiences that suggest other ways or circumstances where reasonable changes or accommodations are appropriate. All activities, demands, conditions, and requirements are linked to duties and responsibilities.
Job Description subject to change at any time at the discretion of management.