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About the Role
Responsible for credit underwriting, monitoring, and portfolio management of Commercial Banking relationships to ensure strong credit quality and achieve efficient internal processes to retain and expand client relationships. Primary performance responsibilities include analyzing financial data to determine the merits of loan requests, monitoring the performance of existing client relationships, and assisting in the management and organization of the loan portfolio.
Responsibilities
- Assist with due diligence/analysis of new client relationships and opportunity memos.
- Manage the renewal process by working with the Relationship Manager, the client, and the credit department.
- Assist in the preparation of loan packages, make presentations, and participate in the bank’s loan approval process.
- Manage the process for approving and closing modifications/amendments/waivers to existing credit agreements.
- Assist Relationship Manager in coordinating the loan closing process for new and existing loan relationships.
- Assist and join Relationship Manager in business development calling efforts.
- Perform other administrative duties required for the maintenance of the loan portfolio.
- Manage and oversee small loan/deposit portfolios.
- Ensure the portfolio administration and risk management of each client relationship follows established credit policy, procedure, and business strategy, as well as regulatory guidelines.
- Perform annual loan reviews as needed.
- Partner with the Relationship Manager as a point of contact for existing and prospective clients, acting as a liaison to the Credit Department, Commercial support staff, and other internal business partners.
- Monitor loan repayment activities and financial condition of borrowing clients and take necessary action to collect past due accounts.
- Agree to work overtime as needed based on work assigned in order to meet deadlines.
- Participate in community and business functions/groups to ensure a positive image for the bank within the region’s marketplace.
- Perform other duties and special projects as needed.
Requirements
- Bachelor’s degree (business concentration preferred)
- Proficient with Microsoft Word, Excel, Power Point
- Proficient with some form of financial spreading software
- 2-3 years of banking experience, primarily related to credit analysis/underwriting
- Demonstrates strong written and analytical skills
- Has strong understanding of credit policy and procedures
- Able to accurately evaluate both cash-flow and collateral-based credits
- Ability to make appropriate judgments and decisions with limited guidance
- Ability to deal with complex problems involving multiple facets and variables in non-standardized situations.
- Excellent planning and organizational skills
- Ability to work independently on projects of high complexity with minimal supervision
- Strong public speaking and presentation skills
- Excellent written and verbal communications skills
- Ability to maintain confidentiality and instill trust within the organization
- Proficient in Microsoft Word, Excel, and PowerPoint
- Ability to multitask is essential
- Ability to apply logical or scientific thinking to define problems, collect data, establish facts and draw conclusions.
- Able to interpret a variety of technical instructions and can deal with multiple variables.
- Ability to compute discount, interest, profit and loss; commission markup and selling price; and ratio, proportion and percentage.
- Able to perform very simple algebra.
- Ability to read periodicals, journals, manuals, dictionaries, thesauruses, and encyclopedias.
Skills
- Microsoft Word
- Microsoft Excel
- Microsoft PowerPoint
- Financial spreading software
- Credit analysis
- Underwriting
- Written communication
- Analytical skills
- Credit policy
- Credit procedures
- Cash-flow evaluation
- Collateral-based credit evaluation
- Judgment
- Decision making
- Problem solving
- Planning
- Organization
- Independent work
- Public speaking
- Presentation skills
- Verbal communication
- Confidentiality
- Multitasking
- Reasoning
- Mathematics
- Algebra
- Reading comprehension
Work Type
- Full-time
Experience Level
- 2-3 years
Education Level
- Bachelor's degree
About the Company
- Prosperity Bank is an Equal Opportunity Employer.
Equal Opportunity
- Prosperity Bank is an Equal Opportunity Employer.