AVP, Credit Analyst/ Portfolio Manager

About the Opportunity

The AVP, Portfolio Manager is responsible for the management of assigned Commercial Business accounts in the management of credit relationships. This role oversees the daily management, underwriting, and quality control of credit approvals, closings, and post-closing activities for existing and prospective loan relationships.

To perform this job successfully, an individual must be able to perform the following satisfactorily; other duties may be assigned. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

Responsibilities

• Analyze financial information, including balance sheets, income statements, cash flow statements, and tax returns
• Determine appropriate risk ratings and make recommendations for approval/denial of loan requests
• Prepare written credit memorandums for presentation and approval
• Assist lending staff in the analysis, servicing, and reporting on commercial and real estate loans
• Provide guidance to lending staff for the interpretation and application of lending policies, procedures, and regulatory guidelines
• Assist with various credit risk management practices
• Mentor less experienced credit staff

About You

The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

• 3+ years’ experience in credit analysis, commercial loan underwriting, and/or commercial lending
• Proficiency in Windows, Microsoft Word, Excel, and PowerPoint
• Ability to work under pressure and meet deadlines
• Effective oral and written communication skills

Benefits

As a full-time UTB employee, you’ll enjoy an array of benefits, including:

• Medical
• Dental
• Vision
• Health Reimbursement Arrangement (HRA)
• Flexible Spending Account (FSA)
• Health Savings Account (HSA)
• 401(k) with Employer Match
• Life Insurance – Employer Provided
• Supplemental Life - Voluntary
• Short-term Disability
• Long-term Disability
• Prescription Discount
• Discount Legal Services
• ID Theft Protection Services
• Pet Insurance

About Company

UTB is an equal opportunity employer. Qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.